Financial FocusHave You Planned for Long-term Care?If you are fortunate, you will retain your physicaand mental capacities throughout your life andcan always live independently. But there are noguarantees for any of us. If you ever require someHowever, you would need to accumulate an extremelyLife insurance with long-term care/chronic illness rider- By choosing a permanent life insurance policy withthis rider, you can accelerate all or part of the deathbenefit to pay for long-term care costs. (Your deathlarge sum to fully protect yourself, and you'd bediverting assets that could be used to help fund yourLong-term care insurance A traditional long-termcare (LTC) insurance policy will pay for qualifiedlong-term care costs. The younger you are when youbenefit will then be reduced.) This option generallya hybrid policy, which may require a larger dollarform of long-term care, will you be prepared?So what is the risk of needing longterm care services?provides more flexibility in paying premiums thancommitment. Similar to hybnd, you still have the lifeAccording to the Department of Halth& HumanServices, about 40% ofindividuals over age 65 receive purchase your policy,some form of paid in-home care, with an average care are likely to be. Keep in mind, though, that a basicperiod lasting less than one year. However, aboutone-third of the population receives care in a nursinghome: Of those individuals, about half stay less thanone year, 30% stay between one and three years, and20% stay longer than five years.the lower your annual premiumsinsurance benefit if you dont need care.LTC policy offers no death benefit or cash valueyour premiums are only paying for a nursing homeWhich option is best for you? Theres no one "rightanswer for everyone, but a financial professional canhelp you choose the method that's most appropriatefor your situation. And from an economic standpointand possibly an emotional one, too- you may bebetter off by taking action sooner, rather than later.say, home health care or other type of longterm careheservice. (Also, even a good LTC policy will includea waiting period before the insurance kicks in and amaximum amount of coverage, such as three years.)And, unfortunately, this care can be expensive.For example, it costs $97,500 per year, on averageHybridMinked benefit insurance Because of somefor a private room in a nursing home, according tothe 2017 Cost of Care Survey produced by Genortan insurance company. In some major metropolitanreas, the cost is much higher. Furthermore, Medicare m care coverage. You can accelerate the deathtypically pays only a small percentage of theseexpenconcerns about paying for insurance but never needingtype of insurance provides a death benefit plus longbenefit to help pay for long-term care costs, aThis article was written by Edward Jones for use by yourcare with traditional long-term care insurance, thislocal Edward Jones Financial AdvisdnEdward Jones is a licensed insurance producer in allJonesnd youstates and Washington, D.C., through Edward D.Massachusetts through Edward Jones Insurance Agency ofcan also choose to create an additional pool for these& Co., LP, and in California, New Mexico andSo, how do you protect yourself against thcosts after the death benefit has been exhausted. Butfyou dont need long-term care, you still have the lifepotentially catastrophic costs? Essentially, you haveinsurance death benefit. Due to the death benefit, your California, LLC: Edward Jones Insurance Agency of NewSel-insure- You can try to build enough financial premiums will be higher than those of a traditional Mexico, LLC, and Edward Jones Insurance Agency ofassets to cover the costs of a long-term care event. long-term care policy.Massachusetts, LLC.Edward JonesSean P. Asiala AAMSEdward JonesPam Covington CFPM AAMS Tod Heisler AAMSEdward JonesEdward JonesEdward JonesMichael C.Caley AAMSQuinn NofzigerGwen Rup7030 Pointe Invemess Way,4413 oi Rd Ste EFort Wayne, IN 468141 Chestut Hi ParkwayFort WayneIN 46814110 Bhon Rd Ste 101Fort Wayne, IN 46809Fort Wayne. IN 46804Fort Wayne, IN 46804478-8038Fort WeynE, IN 5804Fort Wine, IN 46834747-5411625-5700Making Sense of InwestingMaking Sense of lnvestingMaking Sense of InvestingMaking Sense of InvestingMaking Sense of InvestingMaking Sense of westingMaking Sense od InvestingMaking Sense of Financial Focus Have You Planned for Long-term Care? If you are fortunate, you will retain your physica and mental capacities throughout your life and can always live independently. But there are no guarantees for any of us. If you ever require some However, you would need to accumulate an extremely Life insurance with long-term care/chronic illness rider - By choosing a permanent life insurance policy with this rider, you can accelerate all or part of the death benefit to pay for long-term care costs. (Your death large sum to fully protect yourself, and you'd be diverting assets that could be used to help fund your Long-term care insurance A traditional long-term care (LTC) insurance policy will pay for qualified long-term care costs. The younger you are when you benefit will then be reduced.) This option generally a hybrid policy, which may require a larger dollar form of long-term care, will you be prepared? So what is the risk of needing longterm care services? provides more flexibility in paying premiums than commitment . Similar to hybnd , you still have the life According to the Department of Halth& Human Services , about 40 % ofindividuals over age 65 receive purchase your policy , some form of paid in-home care, with an average care are likely to be. Keep in mind, though, that a basic period lasting less than one year. However, about one-third of the population receives care in a nursing home: Of those individuals, about half stay less than one year , 30 % stay between one and three years , and 20 % stay longer than five years . the lower your annual premiums insurance benefit if you dont need care. LTC policy offers no death benefit or cash value your premiums are only paying for a nursing home Which option is best for you? Theres no one "right answer for everyone, but a financial professional can help you choose the method that's most appropriate for your situation. And from an economic standpoint and possibly an emotional one, too- you may be better off by taking action sooner, rather than later. say, home health care or other type of longterm care he service . ( Also , even a good LTC policy will include a waiting period before the insurance kicks in and a maximum amount of coverage, such as three years.) And, unfortunately, this care can be expensive. For example, it costs $97,500 per year, on average HybridMinked benefit insurance Because of some for a private room in a nursing home, according to the 2017 Cost of Care Survey produced by Genort an insurance company. In some major metropolitan reas, the cost is much higher. Furthermore, Medicare m care coverage. You can accelerate the death typically pays only a small percentage of these expen concerns about paying for insurance but never needing type of insurance provides a death benefit plus long benefit to help pay for long-term care costs, a This article was written by Edward Jones for use by you r care with traditional long-term care insurance, this local Edward Jones Financial Advisdn Edward Jones is a licensed insurance producer in all Jones nd you states and Washington, D.C., through Edward D. Massachusetts through Edward Jones Insurance Agency of can also choose to create an additional pool for these & Co., LP, and in California, New Mexico and So, how do you protect yourself against th costs after the death benefit has been exhausted. But fyou dont need long-term care, you still have the life potentially catastrophic costs? Essentially, you have insurance death benefit. Due to the death benefit, your California, LLC: Edward Jones Insurance Agency of New Sel-insure- You can try to build enough financial premiums will be higher than those of a traditional Mexico, LLC, and Edward Jones Insurance Agency of assets to cover the costs of a long-term care event. long-term care policy. Massachusetts, LLC. Edward Jones Sean P. Asiala AAMS Edward Jones Pam Covington CFPM AAMS Tod Heisler AAMS Edward Jones Edward Jones Edward Jones Michael C.Caley AAMS Quinn Nofziger Gwen Rup 7030 Pointe Invemess Way, 4413 oi Rd Ste E Fort Wayne, IN 46814 1 Chestut Hi Parkway Fort WayneIN 46814 110 Bhon Rd Ste 101 Fort Wayne, IN 46809 Fort Wayne. IN 46804 Fort Wayne, IN 46804 478-8038 Fort WeynE, IN 5804 Fort Wine, IN 46834 747-5411 625-5700 Making Sense of InwestingMaking Sense of lnvesting Making Sense of InvestingMaking Sense of InvestingMaking Sense of Investing Making Sense of westingMaking Sense od Investing Making Sense of

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Financial Focus Have You Planned for Long-term Care? If you are fortunate, you will retain your physica and mental capacities throughout your life and can always live independently. But there are no guarantees for any of us. If you ever require some However, you would need to accumulate an extremely Life insurance with long-term care/chronic illness rider - By choosing a permanent life insurance policy with this rider, you can accelerate all or part of the death benefit to pay for long-term care costs. (Your death large sum to fully protect yourself, and you'd be diverting assets that could be used to help fund your Long-term care insurance A traditional long-term care (LTC) insurance policy will pay for qualified long-term care costs. The younger you are when you benefit will then be reduced.) This option generally a hybrid policy, which may require a larger dollar form of long-term care, will you be prepared? So what is the risk of needing longterm care services? provides more flexibility in paying premiums than commitment. Similar to hybnd, you still have the life According to the Department of Halth& Human Services, about 40% ofindividuals over age 65 receive purchase your policy, some form of paid in-home care, with an average care are likely to be. Keep in mind, though, that a basic period lasting less than one year. However, about one-third of the population receives care in a nursing home: Of those individuals, about half stay less than one year, 30% stay between one and three years, and 20% stay longer than five years. the lower your annual premiums insurance benefit if you dont need care. LTC policy offers no death benefit or cash value your premiums are only paying for a nursing home Which option is best for you? Theres no one "right answer for everyone, but a financial professional can help you choose the method that's most appropriate for your situation. And from an economic standpoint and possibly an emotional one, too- you may be better off by taking action sooner, rather than later. say, home health care or other type of longterm care he service. (Also, even a good LTC policy will include a waiting period before the insurance kicks in and a maximum amount of coverage, such as three years.) And, unfortunately, this care can be expensive. For example, it costs $97,500 per year, on average HybridMinked benefit insurance Because of some for a private room in a nursing home, according to the 2017 Cost of Care Survey produced by Genort an insurance company. In some major metropolitan reas, the cost is much higher. Furthermore, Medicare m care coverage. You can accelerate the death typically pays only a small percentage of these expen concerns about paying for insurance but never needing type of insurance provides a death benefit plus long benefit to help pay for long-term care costs, a This article was written by Edward Jones for use by you r care with traditional long-term care insurance, this local Edward Jones Financial Advisdn Edward Jones is a licensed insurance producer in all Jones nd you states and Washington, D.C., through Edward D. Massachusetts through Edward Jones Insurance Agency of can also choose to create an additional pool for these & Co., LP, and in California, New Mexico and So, how do you protect yourself against th costs after the death benefit has been exhausted. But fyou dont need long-term care, you still have the life potentially catastrophic costs? Essentially, you have insurance death benefit. Due to the death benefit, your California, LLC: Edward Jones Insurance Agency of New Sel-insure- You can try to build enough financial premiums will be higher than those of a traditional Mexico, LLC, and Edward Jones Insurance Agency of assets to cover the costs of a long-term care event. long-term care policy. Massachusetts, LLC. Edward Jones Sean P. Asiala AAMS Edward Jones Pam Covington CFPM AAMS Tod Heisler AAMS Edward Jones Edward Jones Edward Jones Michael C.Caley AAMS Quinn Nofziger Gwen Rup 7030 Pointe Invemess Way, 4413 oi Rd Ste E Fort Wayne, IN 46814 1 Chestut Hi Parkway Fort WayneIN 46814 110 Bhon Rd Ste 101 Fort Wayne, IN 46809 Fort Wayne. IN 46804 Fort Wayne, IN 46804 478-8038 Fort WeynE, IN 5804 Fort Wine, IN 46834 747-5411 625-5700 Making Sense of InwestingMaking Sense of lnvesting Making Sense of InvestingMaking Sense of InvestingMaking Sense of Investing Making Sense of westingMaking Sense od Investing Making Sense of Financial Focus Have You Planned for Long-term Care? If you are fortunate, you will retain your physica and mental capacities throughout your life and can always live independently. But there are no guarantees for any of us. If you ever require some However, you would need to accumulate an extremely Life insurance with long-term care/chronic illness rider - By choosing a permanent life insurance policy with this rider, you can accelerate all or part of the death benefit to pay for long-term care costs. (Your death large sum to fully protect yourself, and you'd be diverting assets that could be used to help fund your Long-term care insurance A traditional long-term care (LTC) insurance policy will pay for qualified long-term care costs. The younger you are when you benefit will then be reduced.) This option generally a hybrid policy, which may require a larger dollar form of long-term care, will you be prepared? So what is the risk of needing longterm care services? provides more flexibility in paying premiums than commitment . Similar to hybnd , you still have the life According to the Department of Halth& Human Services , about 40 % ofindividuals over age 65 receive purchase your policy , some form of paid in-home care, with an average care are likely to be. Keep in mind, though, that a basic period lasting less than one year. However, about one-third of the population receives care in a nursing home: Of those individuals, about half stay less than one year , 30 % stay between one and three years , and 20 % stay longer than five years . the lower your annual premiums insurance benefit if you dont need care. LTC policy offers no death benefit or cash value your premiums are only paying for a nursing home Which option is best for you? Theres no one "right answer for everyone, but a financial professional can help you choose the method that's most appropriate for your situation. And from an economic standpoint and possibly an emotional one, too- you may be better off by taking action sooner, rather than later. say, home health care or other type of longterm care he service . ( Also , even a good LTC policy will include a waiting period before the insurance kicks in and a maximum amount of coverage, such as three years.) And, unfortunately, this care can be expensive. For example, it costs $97,500 per year, on average HybridMinked benefit insurance Because of some for a private room in a nursing home, according to the 2017 Cost of Care Survey produced by Genort an insurance company. In some major metropolitan reas, the cost is much higher. Furthermore, Medicare m care coverage. You can accelerate the death typically pays only a small percentage of these expen concerns about paying for insurance but never needing type of insurance provides a death benefit plus long benefit to help pay for long-term care costs, a This article was written by Edward Jones for use by you r care with traditional long-term care insurance, this local Edward Jones Financial Advisdn Edward Jones is a licensed insurance producer in all Jones nd you states and Washington, D.C., through Edward D. Massachusetts through Edward Jones Insurance Agency of can also choose to create an additional pool for these & Co., LP, and in California, New Mexico and So, how do you protect yourself against th costs after the death benefit has been exhausted. But fyou dont need long-term care, you still have the life potentially catastrophic costs? Essentially, you have insurance death benefit. Due to the death benefit, your California, LLC: Edward Jones Insurance Agency of New Sel-insure- You can try to build enough financial premiums will be higher than those of a traditional Mexico, LLC, and Edward Jones Insurance Agency of assets to cover the costs of a long-term care event. long-term care policy. Massachusetts, LLC. Edward Jones Sean P. Asiala AAMS Edward Jones Pam Covington CFPM AAMS Tod Heisler AAMS Edward Jones Edward Jones Edward Jones Michael C.Caley AAMS Quinn Nofziger Gwen Rup 7030 Pointe Invemess Way, 4413 oi Rd Ste E Fort Wayne, IN 46814 1 Chestut Hi Parkway Fort WayneIN 46814 110 Bhon Rd Ste 101 Fort Wayne, IN 46809 Fort Wayne. IN 46804 Fort Wayne, IN 46804 478-8038 Fort WeynE, IN 5804 Fort Wine, IN 46834 747-5411 625-5700 Making Sense of InwestingMaking Sense of lnvesting Making Sense of InvestingMaking Sense of InvestingMaking Sense of Investing Making Sense of westingMaking Sense od Investing Making Sense of