© 2019 Long Term Care Alternative Insurance

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www.longtermcarealternativeinsurance.com is an insurance brokerage that educates clients on Long Term Care Insurance alternatives and assists in the application process.   Life & Health Agent License for Zachary Taylor Agent #0M60573.                      

Contact Us   213.784.1481 | zack@lucentelmgroup.com  | 3460 Torrance Blvd. Suite 300, Torrance, CA 90503

See if you Qualify   

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See if You Qualify for

Long Term Care Alternative Insurance

Qualifying for a Single Premium Long Term Care Insurance policy is fairly easy, but you'll need to work with a licensed agent to get the process started.  The application is easy too, has just a few health questions, and can be done from the convenience of your phone. 

Some basic requirements to qualify are that the applicant needs to be between the ages of 50 and 80, and cannot currently require long term care assistance.  Applications can be done over the phone and don't require a physical exam, and there are health related questions that need to be answered on the application to determine your current health status.  After qualifying, some additional questions will be asked in order for the insurance company to decide whether they will double or triple your premium to help cover long term care expenses.  Based on their decision, you can decide whether or not you want to move forward with a policy.  

A Long Term Care Insurance Quote is completely up to you. With single premium long term care insurance, you determine the amount of insurance you want set aside.  There is a $35k minimum investment, and the more you decide to put into the policy, the more coverage you will receive, so we recommend putting in more if your budget allows for it.  The average annual cost for Long Term Care is $100k, and the average amount of time people need care is 5 years.  If you receive the Triple rating from the insurance company, that means putting in $100k will give you $300k worth of coverage.  And if you don't end up needing long term care, you can leave that $100k to your beneficiary, or get it back after the surrender period.  

Schedule an appointment today to learn more and run an illustration.  Email us directly or click the "Book It" button below to access our calendar availability and schedule a phone appointment that's convenient for you.  We look forward to helping you with your long term care plan soon.