"Mr. Prospect, if I can show you a way to double the amount of money that you leave to your kids, grand-kids, church or favorite charity - and you maintain complete control of 100% of your assets, could I have 15 minutes of your time?"
Flexible or Single Premium Life Product
Lifetime Money Back Guarantee
Tax Free Long Term Care Benefits
Tax Free Death Benefits
Adult Day Care
Home Health Care Benefits
Chronic Illness Benefits
No deductible or waiting period
NO Blood - NO Urine - NO Exam
Clients receive income tax-free reimbursements, of significantly more value than the premium paid, for qualified long-term care expenses. This gives your client more buying power for long-term care needs.
Cancel any time, Money Back Guarantee
If your client never needs long-term care or doesn’t use all of their long-term care benefit, a death benefit is paid to beneficiaries income tax-free.
Let’s review a self-insuring scenario involving a female nonsmoker, age 60.
She has $100,000 in a CD. In her mind, this CD is stashed away for a rainy day. If she needs long-term care, she will use it.
By self-insuring she has:
• No additional premiums to pay, but she also has limited funds available for long-term care
• Assets for her children if she does not use the money, however, she should consider taxes, and what would happen to other legacy assets if more care is needed
• The only risk she considers is "Will this be enough to pay for long-term care expenses?”
Now, let’s see what happens if the same client uses $100,000 to purchase this single premium policy.
With her policy, she will:
• Have no additional premiums to pay
• Have assets for her children if she does not use the money because her policy pays an income tax-free death benefit to her beneficiaries
• If she needs long-term care, her LTC benefits are worth multiple times her premium outlay
$100,000 single premium policy = $166,766 Income Tax Free Death Benefit or $500,298 Income Tax Free Long Term Care Reimbursements = $6,949/month or $$83,383/year
Why not explore ALL of your clients options, every time?
Give us a call and we will work with you to maximize every dollar for every client, every time!