Long-Term Care Insurance

Secure Retirement is unique when it comes to looking at long-term care issues. Unlike typical planners, we never try to talk people into buying long-term care insurance. Instead, we begin with a detailed, objective analysis to see if a family needs the insurance. Occasionally, we can prove that insurance is not needed. For example, people who have considerable assets may be able to "self-insure" any potential liability they may have for long-term care. On the other end of the asset spectrum, those with too little money shouldn't purchase this type of insurance, as they cannot afford any additional expenses. Plus, their care will, presumably, be paid for by government programs if the need arises. However, those in the middle, in terms of their net worth, may want to carefully consider insuring this liability. Individualized analysis is required to know if you should consider long-term care insurance.

Selecting Insurance Policies

When insurance is needed, Secure Retirement always functions as an independent agent. We have access to the highest-rated, most competitive insurance companies in the country. Whenever a client may need insurance, we do a computerized search of these companies to find the best possible price. This research leads to substantial savings for our clients and their families.