Long Term Care
Most of us are in denial that we will ever need assistance. And we do not know which to fear the most; the cost of care or the cost of the long term care insurance!
Modern long term care insurance is quite different than it used to be even a few years ago. In addition to traditional long term care insurance, there are now coverages which combine life insurance or an annuity to long term care benefits so you are family will benefit from the policy – even if you never need to pay for long term care. There are even insurance plans with long term care benefits where the premiums are guaranteed and can never be raised.
We can help you evaluate your situation and help you decided if you are a good candidate for long term care insurance. And if you are, we can make recommendations about the coverage which bests fits your needs and budget.
Insurance can be complex, but it doesn’t have to be hard. We are one of the premier financial planning firms in Greater Des Moines. Let us make it easier for you.