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Protecting What Matters Most


Protect Your Retirement from What Medicare Doesn’t Cover

12 June 2021

As a Texas physician who currently has or will soon be eligible for Original Medicare, it is important to understand the limitations of Original Medicare. Health-related costs are one of the largest expenses during retirement. However, with proper insurance planning, many of these expenses can be covered by the insurance company, not by your retirement nest egg.

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Four Common Misconceptions about Long-Term Care Insurance

6 March 2021

In this age of medical advancement, we are living longer than in decades past. However, even in our advanced years, we still need quality personal care. The chances that a person will need care in their senior years are great: 70 percent of Americans over the age of 65 will need some form of long-term care for their daily needs, including bathing, dressing, and eating.

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A New Approach to Long-Term Care Insurance

21 September 2019

Many physicians do not buy traditional long-term care insurance because they believe they will lose money if they don’t collect benefits. Now there’s a new generation of hybrid, asset-based products that provide crucial long-term care benefits while protecting your savings and legacy. According to LIMRA, a life insurance trade group, hybrid policies are becoming popular with more than 200,000 sold in 2015.

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Study Reveals that More Individuals are Buying Long-Term Care at Younger Ages: Here’s Why

10 July 2015
A recent study of 85,000 individuals who purchased long-term care insurance protection in 2014 has highlighted the increase in popularity of purchasing this type of coverage at a younger age. The 2015 LTC Sourcebook , just released by the American Association for Long-Term Care Insurance (AALTCI), is providing much needed insight into who is purchasing this type of coverage, their average age, and what type of options they are adding to their policy. According to AALTCI Director Jesse Slome, the study revealed that today’s buyers are younger. In fact, the 2015 LTC Sourcebook shows that 40 percent of buyers of Long-Term Care Insurance are age 54 or younger, showing a dramatic increase of younger purchasers as compared to just 29 percent of buyers in that age group in 2012.
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7 Surprising Facts About Long-Term Care

9 June 2015

Did you know that approximately 8 million people receive support from long-term care services annually? Long-term care, although a sticky subject, is something that can’t be swept under the rug.

The truth is, there are a lot of misconceptions about long-term care. To shed a little more light on this topic, we have compiled a list of our most common questions and comments about long-term care and address them below.   

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Long-term Care vs. Long-term Disability… What’s the Difference?

16 April 2015

If you’re confused between long-term care and long-term disability, don’t worry, many are.  The truth is these two insurances, with very similar names, are very different. However, both are necessary. To conquer some of that confusion, let’s dig a little deeper into what these insurance plans are and how they may benefit you.

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Research Shows, 70% of Adults Will Require Future Long-term Care - Are you Covered?

13 April 2015

While many of us do not blink an eye when the conversation to purchase auto or homeowners insurance comes up, the atmosphere changes quickly when long-term care insurance is discussed. Perhaps this is because most people do not want to contemplate getting old, being admitted into a nursing home or needing in-home care, and understandably so. Similar to other types of insurance in terms of offering protection, long-term care insurance also offers preservation of wealth, a crucial necessity as we age.

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Texas Physicians: Here’s Your Five-Minute 2015 Insurance Checklist

13 February 2015

One hot topic that remains top of mind for Texas physicians is insurance coverage. From health, life, liability, professional liability, disability, etc., questions always arise, ranging from, “What types do you have?” to “How much of it should I purchase?”

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