LTC Tree and our advisers help our clients with long term care insurance, investments, life insurance and have a simple solution that saves our clients money. The basic concept is people buy cheap term life insurance as opposed to whole life insurance and use the difference to buy long term care insurance and invest the remaining money you save. By doing so this will solve three problems:
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Protects your assets from the high cost of long term care risk
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Provide life insurance for the years you actually need it which is typically when you have a mortgage, young kids, debt, etc.
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Provides a timely injection of capital to your investments as you approach retirement
LTC Tree’s idea of buying term life insurance, using the money saved to buy long term care insurance and then invest the remaining money encourages families to plan ahead for the increasing risk of needing long term care. They will then have more money to invest in their family’s future rather than throwing good dollars towards whole life in which the person’s life insurance need has diminished.
We work with all the top long term care insurance companies, so if you’d like to learn more and have the top 5 carriers mailed to you please take a short minute to simply fill in this form. Either way thank you very much for reading our LTC Tree blog…we really appreciate it.
