LTCI Cost of Waiting  

What is the cost of waiting to buy long-term care insurance?

There is a time-honored phrase related to long-term care insurance and it goes like this: "Your money pays for long-term care insurance, but your health buys it."

As one ages, the risk of not being able to qualify for long-term care insurance may increase due to deteriorating health.

In addition to the risks of health problems as we age, the dollar cost of long-term care insurance rises dramatically because the insurer has less time to accumulate sufficient reserves to cover its part of the risk.

     

What is your current age?

What is the annual premium for a long-term-care policy at your current age? (If you do not know the premium, see your insurance professional for a complimentary quote.)

$

If you delay purchasing long-term care coverage now, at what age might you buy it in the future?

At what age do you anticipate requiring long-term care benefits?

 
   
   
Wealth Manager Group LLC
3131 Camino Del Rio North, Suite 1650 • San Diego , CA • 92108
Phone: (619) 574-7526 • Fax: (619) 574-7532
• ieisenberg@wealthmgr.com

Irving M. Eisenberg and Matthew P. Luckham are Registered Representatives of and offer securities products and services through Royal Alliance Associates, Inc., a registered broker-dealer, Member FINRA/SIPC. In this regard, this communication is strictly intended for individuals residing in the states of Arizona, California, Florida, Georgia, Hawaii, Illinois, Michigan, Missouri, Nevada, North Carolina, Ohio, Oklahoma, Oregon, Texas, Utah, Virginia, Washington and Wisconsin. No offers may be made or accepted from any resident outside the specific states referenced.



Irving M. Eisenberg and Matthew P. Luckham are also separately registered as investment adviser representatives under the Wealth Manager Group LLC, a Registered Investment Advisor, offering advisory services in the State of California . As such, these services are strictly intended for individuals residing in California.


 

Advisory services offered through Royal Alliance Associates, Inc., a Registered Investment Advisor. Wealth Manager Group LLC is not affiliated with Royal Alliance Associates.


 

 


 

IMPORTANT CONSUMER INFORMATION: 


 

A broker-dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker-dealer, investment adviser, BD agent or IA rep registration requirements, as appropriate.  Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirement, or an applicable exemption or exclusion.


 

 


 

For information concerning the licensing status or disciplinary history of broker-dealer, investment adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.


 


 





 


 

 


 





 


 

CA Insurance Lic #'s: Irving M. Eisenberg #0814447; Matthew P. Luckham #0F13580