HOW to buy LONG TERM CARE INSURANCE without paying a MONTHLY PREMIUM and escape LOSING all the PREMIUM MONEY if you never use the LTC BENEFITS: |
Colorado Residents Only |
 SWITCH some assets to an ANNUITY and receive a combo of
LTC benefits and Death benefits that are TAX FREE!
And the Value will Double or more, depending on your age and how long you retain the annuity. The increase in Value starts Immediately, and will grow with a minimum guaranteed Interest Rate that is TAX FREE!
(ex. If a 65 year old person transfers $100,000 in securities to this annuity, she/he will immediately have over $200,000 in LTC or Death benefits.) You can use this $ 200,000 + to pay for long term care, or if you never need LTC , leave the ever growing (tax free) principal to your designated beneficiaries.
You must have at least $100,000 in assets that you do NOT depend on for income.
The principal is invested in a Fixed Annuity, NOT a Variable Annuity. By federal law, a fixed annuity is guaranteed safe and has a guarantee of continuing tax free growth by a guaranteed minimum interest rate. Recently this interest rate has been 4 %.
The interest rate is set at the time that you transfer your assets to this safe annuity.
An estimated 50% of the elderly will need LTC. In many cities, the annual cost of nursing home care is now over $100,000.
If you stay in a nursing home for 5 years, your estate has lost over one half of a million dollars! This can be prevented by buying LTC insurance –or transferring some assets to this annuity.
MEDICARE does not cover LTC.
MEDICAID is only available for individuals with very limited income. A recent law has made it extremely unlikely that you can transfer your assets and then qualify for MEDICAID.
There is now a 5 year look back on asset transfers.
These annuities are offered by a AA rated insurance company which is owned by another insurance company that has been in business for over 125 years. Your money will be safe.
It would be most wise to visit our Littleton office and learn more about this annuity.
Office hours are from 8:30-5:30, Mon.- Fri., and Saturday 9:00 to noon.
Please call for an appointment.
303-660-8809 or 1-800-234-3391 |
