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Next Exit Retirement 1.800.671.9893 |
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Next Exit Retirement offers a new program to help individuals buy long-term care insurance so that they save on premiums later in life. To protect yourself, your family and your independence, research long-term care planning options for the future before you need it.
Online PR News – 27-October-2011 –There are too few people in the USA today who plan for long-term care. Next Exit Retirement offers a new program to help individuals to buy long-term care insurance so that they save on premiums later in life.
“For those who think ahead and buy long-term care insurance in their early 40s, they will not only save money on their insurance premiums, but will have things all tied up in a neat bundle in terms of any care they may need,” explained Evan Tunis, president and CEO of Next Exit Retirement. “This isn’t to say that older Americans can’t get long-term insurance, because they can. It’s just that their premiums will be higher due to pre-existing conditions.”
Not too long ago, long-term care insurance premiums shot up by at least 40 percent, putting the fear of further inflation in the hearts of those who needed this kind of insurance. They blamed insurance companies. The truth is that insurance companies cannot just hike their rates when they feel like it. This kind of an increase is only done with the approval of the State Department of Insurance, and it is only done to a class of policies, not just certain people as many think.
“That aside, the most relevant issue with long-term care insurance is the express wish of wanting to hang on to the independence that comes with being able to choose care providers and how policy holders wish to be treated,” added Tunis. “Seniors want to know they have a say in their care and can retain their independence as long as possible and with as much dignity as possible. This is not much to ask for if you have lived as long as some policyholders and also served your country with distinction.”
Waiting too long to get a long-term care policy may mean seeing premiums that run from $3,000 to $6,000 a year. This one factor alone is why so many insurance agents actively encourage their clients to think about the future. If more people did that, they would not find themselves facing the very sticky situation of needing long-term care and not having the money to pay the bills.
“To protect yourself, your family and your independence, contact an insurance specialist about long-term care planning options for the future, before you need it,” Tunis pointed out. “It’s a wise move that will give you more alternatives and choices and it will ensure you get precisely what you need for your care, if you do indeed need it.”
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