長期照護保險

長期照護保險對於個人財務和福祉至關重要，尤其是在年老之後。它為居家照護、輔助生活和療養院等高昂服務費用提供了安全保障，而這些服務通常不在常規健康保險或聯邦醫療保險（Medicare）的承保範圍內。

這項保險可以防止退休儲蓄耗盡並保護資產，同時也能提供更多照護選擇，減輕家庭照護人員的負擔。

What does accidental death insurance cover?

Accidental death insurance covers death sustained from any covered injury, which may be work-related or non-work related. Accidental death policies pay additional benefits if the insured person is killed as a fare-paying passenger on a common carrier like a boat, bus or plane, or while driving, riding in, or struck by a motor vehicle.
What's the difference between accidental death and life insurance?

While life insurance generally protects you if you pass away for any reason while the policy is active, accidental death insurance only provides coverage in the event of a covered accident. On the other hand, accidental death is guaranteed, even for people who cannot qualify for many types of life insurance, as long as you are between age 18 and 70, and the premium is substantially lower per dollar of coverage.
How much does an accidental death insurance policy cost?

In general, the cost of an accidental death policy is a fraction of the cost of a comparable term or whole life insurance policy. The premium you pay is tied to the coverage amount you choose; the more coverage, the higher the premium.
How can an agent help me?

An agent can help you select the right accidental death insurance policy for you by helping you develop your goals, explaining your options and recommending solutions that achieve your financial goals. An agent can also answer your questions about accidental death insurance and help you keep your plan current as your needs change.
What are the steps to own an accidental death insurance policy?

Call 954-590-0882 to start your application — note that there are only two health questions. Your application is reviewed by the insurance company to ensure completion, and as long as you are qualified based on your age, your policy will be issued and delivered to you by the insurance company.

考慮購買長期照護保險的主要原因：

評估長期照護保險時，請考慮以下因素：

年齡和健康狀況：
購買保險的最佳時機是您年輕又健康的時候，因為保費會更低。
承保需求：
根據您的家族病史、生活方式和潛在的健康風險，評估您潛在的長期照護需求。
財務狀況：
評估您目前和未來的財務資源，以確定適當的承保範圍。
通膨保障：
考慮提供通膨保障的保單，確保您的福利能夠跟上不斷上漲的照護成本。
保單選項：
探索不同類型的保單，包括獨立的長期照護保險和將人壽保險與長期照護福利相結合的混合保單。