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?

 
   
   
Carillon Group
641 Cepi Drive
 • Chesterfield , MO • 63005-1269
Phone: (636) 777-7001
• tgilliam@carillongroup.com

Securities and investment advisory services offered solely through Ameritas Investment Corp.  Member FINRA_/SIPC.  AIC and Carillon Group are not affiliated.  Additional products and services may be available through the agents of Carillon Group that are not offered through AIC.  See the Associates page for individual state licenses.  Securities products are limited to residents of CA, GA, IL, MD, MO, OH, WA & WI.

This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction.  As with any security, request a prospectus form your Registered Representative.  Read it carefully before you invest or send money.  A Representative from Carillon Group will contact you to provide requested information.

Representatives of AIC do not provide tax or legal advice.  Please consult your tax advisor or attorney regarding your situation.