LTCI Cost of Waiting  

What is the cost of waiting to buy long-term care insurance?

There is a time-honored phrase related to long-term care insurance and it goes like this: "Your money pays for long-term care insurance, but your health buys it."

As one ages, the risk of not being able to qualify for long-term care insurance may increase due to deteriorating health.

In addition to the risks of health problems as we age, the dollar cost of long-term care insurance rises dramatically because the insurer has less time to accumulate sufficient reserves to cover its part of the risk.

     

What is your current age?

What is the annual premium for a long-term-care policy at your current age? (If you do not know the premium, see your insurance professional for a complimentary quote.)

$

If you delay purchasing long-term care coverage now, at what age might you buy it in the future?

At what age do you anticipate requiring long-term care benefits?

 
   
   
Ronald A. Harczak
451 Dunham Rd, Ste 500 ------------------ Please note our NEW address • St Charles, IL • 60174
Phone: (630) 513-4600
Toll Free: (866) 513-4600		 • Fax: (630) 513-5170
• Ron@RonHarczak.com

Investments are not deposits or obligations of any bank, are not guaranteed by any bank, are not insured by the FDIC or any other agency, and involve investment risks, including the possible loss of the principal amount invested.

Securities offered through:  Securities America, Inc.  Member FINRA and SIPC
Ronald A. Harczak, a Registered Representative
Advisory services offered through:  Securities America Advisors, Inc., a SEC registered Investment Advisory Firm
Ronald A. Harczak, a Registered Investment Advisor Representative
 
2570 Foxfield Road, Suite 101, St. Charles, IL  60174
Office:  630-513-4600
 
This website is neither an offer to buy nor a solicitation to sell securities.  Representatives are licensed to discuss and/or sell securities in the following states:  AE,AL,AR,AZ,CA,CO,CT,DE,FL, GA,IL,IN,LA,MD,MI,MO,NC,NV,OH,OR,OK,PA,SC,TX,VA,WA,WI and WY
Representatives are licensed to discuss and/or sell insurance in the following states:  AR,AZ,FL,IL,IA,IN,MI,,SC,. Arkansas Ins. License 347303.