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For your free, no
obligation
Long Term Care insurance quote contact me, Ashley Brooks at:
ashleybrooks@sc.rr.com
or call my cell phone at
(803)331-5323 anytime!
 Long
Term Care Insurance - Is a Genworth or Hancock policy that the insured would need if
they cannot perform 2 of 6 "activities of daily living"; custodial care, in
home, or nursing home coverage.
Term Life
Insurance - Is a policy designed for a short "term" period of
time. Term Life Insurance coverage comes in increments of 5
years.
Whole
Life Insurance - Is an endowment policy, building cash value and maintaining
life coverage until age 100 (endowment age). Learn more about whole
life insurance.
Universal
Life Insurance - Is a more modern permanent policy that can build cash value,
has flexible premiums, and can maintain coverage for as little or as long as
you would like. Learn more about Universal Life Insurance.
Life Settlement -
A Life Settlement is an updated version of a viatical life insurance
settlement
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Free Long Term Care
Insurance Quote, South Carolina
 Hi,
I'm Ashley Brooks! I'm a Licensed
Long Term Care Insurance Agent serving South Carolina. I am a
Native of SC and I live in Columbia. I make house/office calls all over
the Palmetto State including Charleston and Hilton Head.
Every client has unique circumstances and needs to be advised carefully on
each of these points below before buying LTC Coverage. You can also find
up to date articles on my
online
journal.
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The Daily Benefit Amount -
Whether you are at home or in a nursing home you will need to choose a daily
coverage amount. In South Carolina, the typical amount needed is a
~$150/day benefit.
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The Benefit Period - How long
would you need the coverage? Historically, most people need the policy
to pay out for 2-3 years. Any number of years' coverage is available,
but the more years covered, the more expensive the policy.
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Elimination Period - This is a
deductible of sorts, but instead of you paying $, this is the amount of time
you would have to wait until the policy pays out. Keep in mind that
Medicare would cover about 100 days initially, so a 90 day EP would work well
in that circumstance.
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Inflation Protection - How old
will you be when the policy is finally used? Will that be a long time
from now or a relatively short time? You may need to hedge your benefit
amount against inflation by adding an IFR Rider.
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Other Moving parts - Return of
Premium, Restoration of Benefits, Nonforfeiture, etc. I will advise you
accordingly!
How does a policy begin paying
out? Once a policy is in place, if the insured is certified by a doctor
as not being able to perform 2 of 6 activities of daily living, the policy
will then begin the elimination period then begin payments on an endowment or
reimbursement plan.
Long Term Care Insurance Quote
Comparisons from a licensed, local agent -
a resource that reviews all quotes based upon the individual need.
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 Transamerica
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And
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