Annuity With Long Term Care Benefits

A popular alternative to standard long term care insurance.

Have you been turned down (declined) for long term care insurance?

Does you health prevent you from applying for long term care insurance?

If you answered yes may want to consider a safe alternative to spending down your own nest egg to pay for long term care. This alternative is a fixed annuity with a long term care rider to cover long term care expenses.

Click here to get a free quote and personalized chart today.

You can have access to benefits without depleting your principal, avoid invasive medical questions, and pay for in-home care. There is nothing more flexible and feature rich that will provide you with financial security and long term care peace of mind as our fixed annuity with extended care protection.

Q: But aren't annuities risky?
A: Not fixed annuities, they are similar to your bank's CDs, and no one has lost money on a fixed annuity! In fact they often pay higher rates than CDs and Money Market accounts.

Q: How does this work?
A: You purchase a single premium deferred annuity with a long term care rider. When you need long term care you will have 36 months of long term care benefits available. The long term care annuity money is separate from your annuity money, your annuity just keeps on growing.

Q: What happens to the annuity?
A: You can take up to 10% out per year for the first 10 years without any surrender fee, after that you can take as much as you want out, for any reason, you could even pay for long term care expenses if your care extended past the 36 months that the rider covers. If you should die at any time the annuity money goes to your beneficiaries.

Q: Can I use my IRA money or one of my old 401k's to fund the annuity?
A: Yes, it would be simply a rollover to a secure account that has the long term care rider. You can use either "qualified" or "non-qualified" money. You can even add to the annuity later if you wanted to.

Q: Can the owner of the annuity and the annuitant be a different person?
A: Yes, we're finding boomers buying this for their parents who are either uninsurable or long term care insurance is just too expensive because of their age.

Q: How much does it cost?
A: It doesn't cost anything. Like a CD or Money Market account the cost is just what you put in and how much you put in determines how much long term care benefit you will get.

Q: How much is the long term care benefit?
A: It depends on how much you put in the annuity and your age when you start the annuity.

Q: Is this available to anyone, everywhere?
A: The rider is available for those ages 40–75 who have not needed or received care service within one year prior to the starting date. It is available in the following states: AR, AZ, CA, CO, DC, DE, GA, HI, IA, ID, IL, IN, KY, MD, ME, MI, MO, MS, MT, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, TN, TX, VA, WI, WV, WY

Q: How do I find out if this is right for me?
A: Thousands of Americans just like you have decided to protect their nest egg and have long term care benefits with our annuity. Call us, email us or fill out our online form and one of our licensed certified specialists will answer all your questions.

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