Long Term Care Price Penalty may be Killing if One Spouse Buys!

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Long Term Care Insurance & Preventing Dementia

Long Term Care Price Penalty may be Killing if One Spouse Buys

Financial planners are used to favor one or two insurers. And that's okay - but not - if someone is married and either of the spouses is purchasing long-term care insurance. Two of the leading LTC insurance companies don't offer any discount if only ONE spouse applies while others usually do.

Mark was 62, married. His spouse enjoyed a pension and had good amount as retirement savings. The Nevada couple was keen to get long-term care insurance but just for Mark to avoid the peril that his requirement for LTC would drain his wife's savings.

Their financial advisor suggested coverage from one of the top insurance providers. The cost was 3,000 USD per year and that was not that good as the said insurer doesn't provide any 'marital discount' unless both apply.

Fortunately, the couple contacted Association and got in touch with a specialist who suggested a policy from a different leading and reputed insurer. And here's the result,

  • Same coverage for 2,030 USD - a noteworthy savings of 40% as the insurance company offers lower rates for male partners
  • The insurance provider offers as much as 15% Spousal Discount even if only one spouse purchases coverage
  • This insurance provider offers better coverage and home care benefits
  • This insurance provider offers a cash benefit to pay for family members to provide care

Some couples understand that only one spouse wants to have long-term care insurance while others find only one spouse to health qualify. Either way, this is just another reason to consider dealing with a knowledgeable long-term care specialist who actually knows the nitty-gritty of long-term care policies. Sharing the secret for a happy marriage here isn't wise - sharing the secret to receive the best long-term care coverage is worth and that's what shared here.

Long Term Care Price Penalty may be Killing if One Spouse Buys

More Useful Links:

Price Hike of Long Term Care Insurance

ASSET PROTECTION

Help protect your savings from the costs of care NOT COVERED
by traditional insurances or Government programs, like Medicare.
It helps you choose where you receive care and avoid the nursing home!

OVERWHELMING STATISTICS
  • 40% receiving long-term care are working-age adults, ages of 18-64.*
  • About 70% over age 65 will need long-term care services in their
    lifetime. By 2020, this number is expected to exceed 12 million.*
WHY US?

Financially strong A.M Best rated insurers with low complaint ratios related to claims will send you quotes directly and promptly. You may also have access to instant rate quotes, and side by side plan comparisons. The service is free, and comes with no obligation. Your privacy is our highest priority.

DISCOUNTS AVAILABLE

Sample Long-Term Care Insurance Savings Opportunities

Up to 30% Spousal/Partner Discount

Up to 15% Preferred Health Discount

Up to 5% Small Business Discount

* Discounts are not cumulative and vary by state.

Find Local Doctors & Most Popular Plans

Financially strong A.M Best rated insurers with low complaint ratios related to claims will send you quotes directly and promptly. You may also have access to instant rate quotes, and side by side plan comparisons. The service is free, and comes with no obligation. Your privacy is our highest priority.

PLUS, Receive 2 FREE Books -
Long Term Care Insurance & Preventing Dementia

Long Term Care Price Penalty may be Killing if One Spouse Buys

Financial planners are used to favor one or two insurers. And that's okay - but not - if someone is married and either of the spouses is purchasing long-term care insurance. Two of the leading LTC insurance companies don't offer any discount if only ONE spouse applies while others usually do.

Mark was 62, married. His spouse enjoyed a pension and had good amount as retirement savings. The Nevada couple was keen to get long-term care insurance but just for Mark to avoid the peril that his requirement for LTC would drain his wife's savings.

Their financial advisor suggested coverage from one of the top insurance providers. The cost was 3,000 USD per year and that was not that good as the said insurer doesn't provide any 'marital discount' unless both apply.

Fortunately, the couple contacted Association and got in touch with a specialist who suggested a policy from a different leading and reputed insurer. And here's the result,

  • Same coverage for 2,030 USD - a noteworthy savings of 40% as the insurance company offers lower rates for male partners
  • The insurance provider offers as much as 15% Spousal Discount even if only one spouse purchases coverage
  • This insurance provider offers better coverage and home care benefits
  • This insurance provider offers a cash benefit to pay for family members to provide care

Some couples understand that only one spouse wants to have long-term care insurance while others find only one spouse to health qualify. Either way, this is just another reason to consider dealing with a knowledgeable long-term care specialist who actually knows the nitty-gritty of long-term care policies. Sharing the secret for a happy marriage here isn't wise - sharing the secret to receive the best long-term care coverage is worth and that's what shared here.

Long Term Care Price Penalty may be Killing if One Spouse Buys

More Useful Links:

Price Hike of Long Term Care Insurance