One of the most important steps in planning for your retirement is personal care.

1. The Benefits of Long-term
Care Insurance

2. One of the most important steps in planning for your
retirement is personal care. If you leave this step out,
then you are overlooking a very large component of a
well thought-out retirement plan.

3. Kelly Ruggles, president of American Reliance Group,
and an expert financial planner for retirees, considers
long-term care insurance to be essential for most people
reaching retirement.

4. Kelly believes that most people tend to neglect long-term
care insurance in their post-retirement planning. A long-
term illness can arise unexpectedly, wiping away your
retirement nest egg in a short time.

5. Kelly Ruggles suggests taking into consideration the
possibilities of any post-retirement illness that might
arise. A person can manage some of these demands, like
home care or an assisted living facility, by purchasing
some kind of LTC insurance.

6. Kelly Ruggles believes that by planning for long-term
care, you can protect your family from bearing the costs
of your nursing home care if the need should arise. By
having LTC insurance, you can choose where you want
to receive care without the entire financial burden on
yourself or your family.

7. Not everyone qualifies for LTC. A person must be fairly
healthy and have lived a relatively healthy life in order to
be considered.

8. Kelly Ruggles is an advocate for LTC insurance for most
people. If you are not sure of how to go about your post-
retirement LTC planning, then you can rely on a
professional like Kelly Ruggles for expert guidance.

9. He has over 15 years of experience in this area and has
helped many people in planning a financially secure
future. To know more about Kelly Ruggles and the
services provided by him, browse through
www.kellyruggles.com.

10. Thanks