What is
LTC Insurance?
Long term care (also known as LTC) can take many forms. It can be care provided at home, in assisted living facilities, or nursing homes lasting more than 90 days. Types of care may include administering medications, aiding with bathing and dressing, transportation to and from medical appointments, meal preparation, and more.
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What is
Life Insurance?
Life insurance is a contract that provides financial protection for your loved ones in the event of your death. It offers options like Term Life (coverage for a set period) and Whole Life (lifetime coverage with savings). Get the right policy today to ensure your family’s financial security.
Why Choose Us?
Your family deserves financial security, and we make it easier than ever to get the protection they need.
Flexible Coverage Options
Find the perfect plan for your needs and budget.
Quick, Hassle-Free Process
Get approved in minutes, with no medical exams for most plans.
Affordable Premiums
Protect your family without breaking the bank.
Start today and give your loved ones the peace of mind they deserve, knowing they’re covered when it matters most.
How It Works
Life is unpredictable, but your financial future doesn’t have to be. We’re here to help you protect the ones who matter most.
1. Get a Quote
Tell us a little about yourself, and we’ll find the best coverage.
2. Choose Your Plan
Select a policy that fits your budget and needs.
3. Rest Easy
Enjoy the confidence that your family is financially secure.
With a few simple steps, you can ensure peace of mind for you and your loved ones, knowing that they’ll be taken care of, no matter what.
Why Do You Need LTC Insurance?
Here are some common misconceptions:
I Have Heard Negative Things
Not all rumors are true. In fact, some insurance companies have paid hundreds of thousands of dollars in claims to home health care agencies and facilities on a client’s behalf. It pays to have a good insurance agent who can facility or control the claim process. Additionally, different facilities offer different levels of care. Proactive research on all options will save time, energy, and money.
I’ve Never Heard
Of It
You may be one of the lucky ones that have never dealt with a long-term care situation. However, that doesn’t mean you’ll never need it. If you’d prefer to have choices as you age, consider your options.
Don’t Want To Pay For Something I Do Not Need
Medicare and most military benefits will not cover this level of care. You will be responsible for 100% of the cost and you have a 70% risk it will happen to you. Consider alternative options such as a life insurance with a long-term care rider or critical illness protection.
It’s Too Expensive
Long-term care is the #1 reason retirees go bankrupt. The average cost in WA for quality home care is $40-$50 per hour with assisted living and nursing home ranging from $6,000-$12,000 per month. A premium will never be as expensive as paying out of pocket for 24-hour care.
How Is It Paid For
There are 3 primary ways to get Long-Term Care Insurance paid for:
1. Self Pay - this means you write the check to the facility or home care company from your personal assets. Money can come from savings, 401K(s), stocks etc. and may have some tax implications.
2. Medicaid - is a state funded system designed to assist low-income individual with housing, food, medical costs and more. You must qualify based on your states rules and regulations and will require an asset sell down. Please contact an elder-care attorney for details.
3. Private Insurance - Insurance companies offer benefits for a monthly premium which varies based on the amount of coverage.
Why Choose Us?
Your family deserves financial security, and we make it easier than ever to get the protection they need.
Flexible Coverage Options
Find the perfect plan for your needs and budget.
Quick, Hassle-Free Process
Get approved in minutes, with no medical exams for most plans.
Affordable Premiums
Protect your family without breaking the bank.
Start today and give your loved ones the peace of mind they deserve, knowing they’re covered when it matters most.
How It Works
Life is unpredictable, but your financial future doesn’t have to be. We’re here to help you protect the ones who matter most.
1. Get a Quote
Tell us a little about yourself, and we’ll find the best coverage.
2. Choose Your Plan
Select a policy that fits your budget and needs.
3. Rest Easy
Enjoy the confidence that your family is financially secure.
With a few simple steps, you can ensure peace of mind for you and your loved ones, knowing that they’ll be taken care of, no matter what.
Why Do You
Need Life Insurance?
Life insurance provides financial security for your family when you're no longer around to provide for them. Here are some reasons to consider getting life insurance:
Debt Coverage
Life insurance can help cover your outstanding debts like mortgages, car loans, credit card balances, and student loans.
Income Replacement
In case of your untimely demise, life insurance acts as a source of income, supporting your loved ones until they can get back on their feet.
Education Funding
Life insurance ensures that your children’s education goals can be met, no matter what happens.
Protect Your Family’s Financial Security
If you're the primary earner in your household, life insurance ensures that your family won’t be burdened with financial instability after your passing.
Funeral and End-of-Life Expenses
Funerals can be costly. Life insurance can ease the burden of these expenses on your family during an already difficult time.
More Info
Important Questions
What Type of LTC Insurance Do I Need?
Long-term Care Insurance is generally divided into facility care and in-home care. In-home care has become more popular in recent years due to the desire of people to "age in place" in their homes and is generally less expensive.
How Much Coverage Should I Get?
Consider factors like your family’s living expenses, outstanding debts (like mortgages), future financial goals, and potential funeral costs when determining the amount of coverage you need.
Can I Customize My LTC Insurance Policy?
Yes, many policies offer additional riders for things like accelerated death benefits, critical illness coverage, or waiver of premium in case of disability. These options allow you to customize the policy to meet your specific needs.
What If I Can’t Afford LTC Insurance Right Now?
There are budget-friendly options with lower premiums. You can also adjust coverage amounts and durations to find a plan that fits within your financial means.
How do I Sign Up?
For more personalized assistance, book an appointment with me. I’ll answer your questions, help you explore your options, and ensure you get the right life insurance coverage tailored to your specific needs. Schedule your free consultation today and start planning for your family’s future security.
More Info
Important Questions
What Type of Life Insurance Do I Need?
If you are looking for affordable coverage for a specific period, Term Life Insurance may be best. For lifelong protection and cash value accumulation, Whole Life Insurance could be the right choice.
How Much Coverage Should I Get?
Consider factors like your family’s living expenses, outstanding debts (like mortgages), future financial goals, and potential funeral costs when determining the amount of coverage you need.
Can I Customize My Life Insurance Policy?
Yes, many policies offer additional riders for things like accelerated death benefits, critical illness coverage, or waiver of premium in case of disability. These options allow you to customize the policy to meet your specific needs.
What If I Can’t Afford Life Insurance Right Now?
There are budget-friendly options like Term Life Insurance with lower premiums. You can also adjust coverage amounts and durations to find a plan that fits within your financial means.
How do I Sign Up?
For more personalized assistance, book an appointment with me. I’ll answer your questions, help you explore your options, and ensure you get the right life insurance coverage tailored to your specific needs. Schedule your free consultation today and start planning for your family’s future security.
Looking for a First-Class Life Insurance Consultant?
Looking for a First-Class Life Insurance Consultant?
Bauer Insurance Advisors LLC is committed to serving you at the highest level with all your Life Insurance needs.
National Producer Number: 20970517
Company
Directories
Legal
Bauer Insurance Advisors LLC is committed to serving you at the highest level with all your Life Insurance needs.
National Producer Number: 20970517
Company
Directories
Legal