Category Archives: Long Term Care

Long Term Care

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What Is Long Term Care?

What Is Long Term Care?
Long term care (LTC) is the assistance or supervision you may need when you are not able to do some of the basic activities of daily living (ADL) - bathing, dressing, eating, continence, toileting and transferring. Others may need help because of mental deterioration called severe cognitive impairment that can be caused by Alzheimer's Disease,…
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An Insurance Agent Gives You the Confidence to Buy the Right Policy

Why are you buying life insurance?  Which policies should you pursue?  How do you obtain the information to make an informed decision?  The pressure to make sure that you purchase the right policies for your life can seem daunting. You may be worried that the policies that you are considering won’t adequately protect your family…
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How does the underwriting process work?

In layman’s terms, underwriting is the process of determining if a customer is eligible for life insurance (or other types of insurance).  However, the term underwriting is used in a broad sense and includes several aspects of how a case is processed.  It’s important to understand the difference between underwriting and processing. Once a life…
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Carefully Designate Your Beneficiaries Now to Prevent Headaches Later

A beneficiary is a person or entity who receives the proceeds of a life insurance policy when the insured dies. To qualify as a beneficiary, a person or entity must have an insurable interest that would suffer significant loss if the insured person dies. There are many different kinds of beneficiaries. They include: An individual…
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