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?

 
   
   
Holmes & Associates
4278 Boulder Lake Circle • Vestavia Hills, AL • 35242
Phone: 205-968-8065 • Fax: 205-968-8067
• cholmes@cfiemail.com

Securities offered through Centaurus Financial, Inc., a registered broker-dealer, and member of FINRA & SIPC.  Holmes & Associates, Inc. is independent of Centaurus Financial, Inc.  Please be advised that presently Charles P. Holmes holds Series 6 Registration Licenses in Alabama, Georgia and Tennessee.  For residents of other states in which registration is not held, proper licenses and registrations must be obtained by Charles. P. Holmes before proceeding further.  No part of this communication should be construed as an offer to sell any security or provide investment advice or recommendation.  Securities offered through "Centaurus Financial, Inc. Member FINRA and SIPC" will fluctuate in value and are subject to investment risks including possible loss of principal.

Centaurus Branch Manager, Steve Isbell

3532 7th Ct. S., Birmingham, AL  35222 Telephone (205) 252-3221