Most of us will need long term care in our lifetime.

Long term care, short term care, hospital indemnity, final expense and chronic illness plans.

Most who purchase are between 45 & 70 and are planning ahead to be able to choose how and where care is provided.

I assist consumers to plan in advance to finance their risk of needing long term care by purchasing long term care insurance or some other financing solution such as combo or hybrid policies. Long term care is really something everyone must be educated about - especially if you want choices like staying in your home or not causing family and friends to be your caregiver.

I find that people who have been caregivers, and experienced the financial and emotional burden it creates, often want a different, more planned solution for their own lives and they choose to insure the risk. I've heard it often: Regular health insurance & Medicare don't pay for this! As I always say, some coverage that's affordable is better than no coverage at all.

Besides long term care insurance, I can also help with short term care (covers extended care for a short period of time), hospital indemnity plans, and chronic illness coverage (such as for cancer and heart conditions). I also can help with life and disability insurance.