- Life InsuranceLife insurance isn’t for those who have died, it’s for those left behind. When shopping for life insurance, consider the needs for replacing income to maintain a standard of living, pay for funeral costs, and estate costs. How much does one need? A rule of thumb between 5 – 7 times the gross annual income. Life insurance comes in two types: Term and Permanent. Which one is right for you? We can help to determine the right choice.
- Health InsuranceMany of the costs associated with long-term care are not covered by traditional health insurance or Medicare. Long-term care can be administered in a home setting, or in a community setting such as an Adult Day Care Center, Assisted Living Facility, Continuing Care Retirement Community, Nursing Home or Memory Care Unit.
- Long Term CareAccording to the Department of Health and Human Services*, 7 in 10 individuals 65 and older will experience a long-term care event prior to death. 3 Million Americans are being diagnosed with Alzheimer’s in the United States each year.** A national median annual cost of a private room in a nursing home is $100,375.***
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