Lincoln MoneyGuard® II, a universal life insurance policy with optional long-term care benefit riders, can help safeguard your assets and provide reimbursements for qualified long-term expenses. Given the policy stays in-force, your can receive benefits and your premiums will never increase. Learn more!
Asset Care Plans:
As personal situations change, so will an individual’s life insurance needs. Care should be taken to ensure this product is suitable for long-term life insurance needs. Any associated costs should be considered before making a purchase. Life insurance has fees and charges that include costs of insurance which vary based on gender, health, and age, and has additional charge for riders. Guarantees are subject to the claims paying ability of the issuing insurance company. Learn more!
Annuity Care Plans:
A fixed annuity is a long-term, tax-deferred insurance contract designed to create a fixed stream of income through a process called annuitizing while providing a fixed rate of return. Withdrawals from fixed annuities may be subject to surrender charges and ordinary income taxes. If a withdrawal is made prior to age 59 ½, an additional 10% tax penalty may apply. A fixed annuity contains guarantees and protections that are subject to the issuing insurance company’s ability to pay for them. Learn more!
We are an independent agency that has been providing solutions to chronic health care needs for over 30 years. The combined LTC experience of our staff is unmatched by any other agency.
As an independent agency, our choice of products, selection of insurance carriers and ongoing relationships with the chronic health care provider community are based on the value they bring to the client at time of claim. We establish and maintain relationships which provide the client with long term stability and security.
For years we have maintained a presence in the chronic health care provider community.
We firmly believe that you cannot service the needs of the client without a solid understanding of how chronic health care services are delivered.