Did You Know?

• That 70% of Americans over the age of 65 are likely to need Long-Term Care at some point during their lives, and only one in ten own Long-Term Care insurance?

• That the average cost nationwide of a RN for home health care is $79.27 an hour for those with no Long-Term Care plan or strategy?

• That about 91% of older adults have at least one chronic condition, and 73% have at least two. Are you offering Chronic/Critical Illness riders on permanent life sales? Statistics say that you should be.

• That there is one carrier which offers a full suite of long-term care  planning solutions including traditional Long-Term Care Insurance, Life Insurance with a Long-Term Care Rider and Life Insurance with a Chronic Illness Rider?

• That there is a carrier that offers a Chronic Illness rider that does not need to be a permanent condition to be eligible for the benefit?

• That there is a Critical Illness rider that provides a one-time, income tax-free, lump-sum benefit up to $250,000 upon initial diagnosis of a covered critical illness such as a heart attack, cancer, or a stroke and preserves the policy death benefit?

• That there is a survivorship policy available that offers a Long-Term Care rider to both insureds and that they can actually be on claim at the same time for up to half of the face amount of the policy?

• That there is a carrier that offers an Accelerated Death Benefit for Chronic Illness Agreement on a term policy which allows the insured to add this benefit without evidence of insurability at the time of conversion even if they are chronically ill?