Long-Term Care Insurance

Long-term care insurance is crucial for financial and personal well-being, especially as one ages. It provides a safety net against the high costs of services like in-home care, assisted living, and nursing homes, which are not typically covered by regular health insurance or Medicare.

This coverage can prevent the depletion of retirement savings and protect assets, while also offering more care options and easing the burden on family caregivers.

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.

Key reasons to consider Long-Term Care Insurance:

Consider these factors when evaluating long-term care insurance:

Age and Health:

The best time to purchase a policy is when you are younger and healthier, as premiums will be lower.

Coverage Needs:

Assess your potential long-term care needs based on your family history, lifestyle, and potential health risks.

Financial Situation:

Evaluate your current and future financial resources to determine the appropriate level of coverage.

Inflation Protection:

Consider policies that offer inflation protection to ensure your benefits keep pace with rising care costs.

Policy Options:

Explore different types of policies, including standalone long-term care insurance and hybrid policies, which combine life insurance with long-term care benefits.

Ready To Protect Your Family?

Get a personal consultation or schedule your personal time with Life Health Insured agent to get all of your insurance inquiries answered. Our agent will guide you through the process and help you create peace of mind for you and your loved ones.

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