© 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

Get a quote using our illustration request form on this page.  There are similar long term care insurance products available that can be funded with retirement money or savings, and existing annuities can also be transferred.  

Qualifying for a Long Term Care Insurance policy is fairly easy, but you'll need to work with a licensed agent to get the process started.  

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.  

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 for single premium annuities, or life insurance policies that can be paid off in 10 years or 20 years.  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.  The life insurance policy product has a death benefit if you don't use it for long term care.  

Fill out the appraisal request form and we'll get back to you with some options.  We look forward to helping you learn about these great products.