Introducing the Best Available Long Term Care Policy Guarantee

If you're 60 to 70 years old ... or have a family member who is ... then what you are about to discover could help prevent the complete erosion of your estate.

In fact, it's probably the most important asset you could ever own. Let me explain why.

For over 24 years, I have helped hundreds of individuals understand and implement money saving ideas. From the birth of an innocent newborn to the demise of a crafty senior I've witnessed families in every financial situation imaginable.

As my clients age (and me along with them), I can tell you without hesitation the biggest fear of growing old is losing your ability to remain independent.

Although we are living longer, we are not necessarily living better.

Chronic disease is rampant ... and it strikes with a vengeance when you least expect it.

How many people who have experienced a stroke knew it was going to happen to them?

How many anticipated that particular moment when they began to forget things?

The facts speak for themselves. Literally millions of Americans require long term care ... either in nursing homes, day care centers, assisted living facilities or in their own homes.

And the cost of providing this care is outrageous with no end in sight.

Now, if you think it will never happen to you ... I'm sorry. This article doesn't try to convince anyone about the likelihood of their needing care before they die.

It's meant for those who understand and appreciate the need to arm themselves with protection against the horrific expense of long term care.

In fact, this article is ideal for those who have already looked at traditional types of long term care policies and are trying to determine which type is best for them.

One of the biggest objections to buying a long term care policy is that if the benefit is never needed the premiums paid for the policy will be wasted.

This is somewhat like buying automobile insurance. You have to pay the premium in order to get your car repaired. But what if you never have an accident. Is that considered losing your premium?

Funny isn't it? People hardly question paying for car insurance, but they frequently resist doing so for a long term care policy.

So... what if you could always get your premium back - guaranteed - if you never require any long term care?

And, what if you die before receiving long term care? Wouldn't it be great if your loved ones could recover 100% of your premium expense?

How about this? You actually use up all of your long term care benefit. And then you die. What if your family could still get back 10 percent of your premium.

Now if you know anything about long term care policies you're probably wondering why you haven't heard of this type before.

One reason is because it is non-traditional and not included in the mainstream marketing of long term care policies.

Another is because it takes a large sum of money to buy the policy. $50,000 is typical and it's a one-time single premium, which means you will never get stuck with a premium increase.

It is not uncommon for people between 60 and 70 to have large sums of money stashed away in bank CDs earning low interest. Kind of an emergency fund.

Transferring a portion of this fund into the policy makes sense because the money continues to earn interest. Besides, it usually pays more than the bank ... plus, the policy interest is tax deferred.

It's also common for people this age to have old life insurance policies with significant cash value.

Many times it's possible to transfer the cash into the long term care policy and still retain a meaningful death benefit.

And the future long term care benefit could easily be worth over one million dollars.

This policy has a 90 day waiting period before benefits are paid. The length of the benefit can be as short as 4 years or as long as your lifetime. You can also get a 5% compound interest inflation protection rider to help keep up with the rising cost of care.

The name of this policy is MoneyGuard. It is a universal life insurance policy with a long term care rider. The issuing life insurance company is Lincoln Life, a subsidiary of Lincoln Financial Group.

By the way, this policy was initially developed by Penn-Pacific Life many years ago. They have years of experience and an excellent reputation. Lincoln recently bought Penn-Pacific.

Ask your life insurance agent to get you more information about this single premium policy. For the right situation it is absolutely the best guarantee in a long term care policy.

Don Adams is a 24 year veteran financial consultant who has helped hundreds of individuals solve a variety of problems related to money matters. More information is available at http://personal-finance-on-the-net.com

Crisis Looms for Florida Elder Care Services
Insurance News Net (press release), PA - Oct 10, 2008
... population growth in the elder segment, a complex mix of sometimes conflicting forces is dramatically altering the long-term care facilities market and ...

LTC123: The measure of greatness
Wareham Courier, MA - Oct 7, 2008
He will work to reform the financing of long-term care to protect seniors and families. He will work to improve the quality of elder care, including by ...

Core Benefits on the Rise
Multichannel News, NY - 14 hours ago
The ability to telecommute, health and wellness plans, assistance wiith adoption expenses and elder-care benefit plans have been very popular, said Scripps ...

Hoeven wants to boost child care, elder care
Grand Forks Herald, ND - Oct 7, 2008
He also announced he is seeking an additional $17 million for increased home-based care for elderly North Dakotans and those who need care because of ...

Community Eldercare Services LLC Deploys Voice-Assisted Care to ...
MarketWatch - Oct 9, 2008
As part of its implementation, all 20 of Community Eldercare Services' facilities in Mississippi, Tennessee and Louisiana -- comprising more than 1000 ...
PointClickCare and Vocollect Healthcare Systems Announce New ... International Business Times
AccuNurse(R) Voice-Assisted Care Takes Interactive Care Delivery ... MarketWatch
PointClickCare and Vocollect Healthcare Systems Announce New ... MarketWatch
all 42 news articles

PSS World Medical's Rating Outlook Revised to Positive By S&P - Update
RTT News, NY - 21 hours ago
Moreover, physician practices and elder care business could experience reduced reimbursement beyond 2009. These pressures could lead to higher bad debt for ...
Standard & Poor's Revises Outlook for PSS World Medical, Inc. to ... MarketWatch
all 11 news articles

Care available for elderly family members
Burlington Union, MA - 12 hours ago
Cooperative Elder Services, Inc, an Adult Day Health and Alzheimer’s Day program located at 37 B Street, Burlington, provides respite care and a safe, ...

Additional Allegations Filed Against Elder Care Operator
MarketWatch - Oct 3, 2008
... clients that it is operated in such a way that it meets the needs of its elderly and vulnerable adult residents by providing a certain standard of care. ...

Paul and Lori Hogan, Co-Founders of Home Instead Senior Care will ...
PR Web (press release), WA - Oct 8, 2008
Today, the Home Instead Senior Care franchise offices employ nearly 60000 trained CAREGivers who provide millions of hours of elder care services annually ...

Letter: Dilemma of downsizing the County Home
New Richmond News, WI - Oct 9, 2008
On May 9 and 10, 2008, a conference titled Elder Care Expo took place in the Education Building at the Minnesota State Fair Grounds. ...
Letter: County needs to retain beds New Richmond News
Letter: Nursing home vote won’t impact taxes New Richmond News
all 4 news articles

Caregiving Across The Miles?Tips for Successful Long Distance Caregiving

Caring for a parent or a loved one is a difficult job. Your duties as... Read More

If Using The Stairs Has Become A Daily Struggle, A Stair lift Could Change Your Life

Using stairs is an everyday nightmare for many people. As we grow older the stairs... Read More

Exercise Walking For Seniors: Preventing Foot Problems

Exercise has a very important role in the general health and the quality of life... Read More

Mom Wont Participate!

Q: Six months ago we placed my mother in an assisted living facility. She gets... Read More

Solitary Confinement -- for Life

Sixty-five year old Arthur Jones served a self-imposed life sentence - in his own home.Arthur... Read More

Using The Proper Wheelchair Will Make Your Everyday Life Easier

If you have an injury or a health problem that restricts your mobility, you can... Read More

10 Tips to Keep a Family Caregiver from Losing Their Mind

Caring full time for a loved one can be a challenging task, and it takes... Read More

Senior Living: 5 Ways to Help Reduce the Risk of Falling

Every year we hear stories of seniors falling, ending up in hospitals and never fully... Read More

Assisted Living Facilities ? What Are They?

Assisted Living facilities are generally for person's 60 years of age and older. Typical candidates... Read More

Feeling Lonely?

Q: I hate Alzheimer's disease, not only has it robbed me of my husband, but... Read More