Don't Grow Old Without It

Kelly Greene of the Wall Street Journal acknowledges common concerns about purchasing Long-Term Care insurance (LTCi), but validates that LTCi is necessary.   Greene says consumers must shop different carriers in order to find the best LTCi value:

Costs vary widely, even for coverage that is basically identical, according to a March study by the long-term-care insurance group. For example, a $150 daily benefit, lasting three years for a married couple aged 65 in "standard" health, ranges in price from $3,815 a year to $7,129.

That means you could pay nearly twice as much for the same benefits as someone insured by a different carrier.

Unfortunately for consumers, shopping around is difficult. Policies from different carriers are packaged with a proliferating number of bells and whistles. Life-insurance policies and annuities that include long-term-care benefits are introducing more options, but also making the selection process that much more involved.

As an independent LTCi broker, Baygroup does the "shopping around" for you.  After we take some information from you, we can run quotes with many carriers so you can compare them side-by-side. 

Already have a policy?  We can review and evaluate policies from any carrier.  Let us make finding LTCi easier for you.

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