Help your clients prepare for potential long-term care (LTC) expenses by offering alternatives to traditional LTC insurance.
Put your clients’ assets to work — using a life insurance policy or an annuity — and provide long-term care benefits. Clients can use the LTC benefit if they need it or leave the death benefit or accumulated value as part of their financial legacy.
Pelorus Financial Group offers you a suite of asset-based long-term care solutions for your clients. With our products and solutions your clients can live a long life with the security of having an LTC benefit to cover care if they need it, or leave a financial legacy if they don’t.
Initiating the Linked Benefit conversation. Download our online guide below:
Here's an example of how it works:
A 60-year-old nonsmoking woman in good health pays a $100,000 premium for a policy to provide up to six years of long-term care benefits. If she never needs long-term care, the policy pays a $166,766 death benefit to her beneficiary. If she needs long-term care, the policy pays $500,298 for qualified long-term care expenses. Her maximum available benefit is $83,383 a year for six years.
Let one of our team members contact you and discuss your needs. Whether your next opportunity requires a simplified underwriting process, affordable term life insurance, funding for a Buy/Sell agreement or an exotic, multi-index universal life insurance product with financed premiums, Pelorus Financial Group the experience and knowledge to assist you in closing your next sale.
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