LTCI Cost of Waiting  

What is the cost of waiting to buy long-term care insurance?

There is a time-honored phrase related to long-term care insurance and it goes like this: "Your money pays for long-term care insurance, but your health buys it."

As one ages, the risk of not being able to qualify for long-term care insurance may increase due to deteriorating health.

In addition to the risks of health problems as we age, the dollar cost of long-term care insurance rises dramatically because the insurer has less time to accumulate sufficient reserves to cover its part of the risk.

     

What is your current age?

What is the annual premium for a long-term-care policy at your current age? (If you do not know the premium, see your insurance professional for a complimentary quote.)

$

If you delay purchasing long-term care coverage now, at what age might you buy it in the future?

At what age do you anticipate requiring long-term care benefits?

 
   
   
Djr Financial Services
2480 Stearns Street • Simi Valley, CA • 93063
Phone: (805) 527-2430 • Fax: (805) 527-6545
• Dan@DJRFS.com

 

 

*Securities and investment advisory services offered through SagePoint Financial, Inc. member FINRA/SIPC and a registered investment advisor. Estate Planning Services offered through Citadel Law Offices Tax Preparation services offered through Skidmore Markell and Company.  These entities, including DJR Financial Services, Inc. are not affiliated with SagePoint Financial, Inc. or registered as a broker-dealer or investment advisor. 

This communication is strictly intended for individuals residing in the states of AZ, CA, CO, FL, IL, NV, OK, OR, TX and WA. No offers may be made or accepted from any resident outside the specific state(s) referenced. 

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The information offered is for informative purposes only.  No investment strategy, such as asset allocation, can guarantee a profit or protect against loss in periods of declining values. None of this information is to be construed as an offer to buy or sell securities referred to within or otherwise.

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State Life Insurance Licenses: California 0D71418,  Arizona 962198, Oregon 787866, Washington 802976.