• Your single (or widowed) female client in retirement has enough assets to live comfortably, and is concerned about the possibility of large expenses for Long Term Care. 
• The LTC insurance premiums seem too large, however, (why did she wait until now she wonders?) and she is concerned that they could even increase down the road. 
• She wants financial protection in case she needs Long Term Care, especially so she can stay in her own home,  but also is hesitant to commit to a substantial premium bill each year. 
• She could earmark some of her assets for that purpose, but what if she never needs LTC services, she'll have spent money that she wants to go to her children....   

• A single premium of $100,000 for a female age 65 could purchase a combination life with LTC rider solution.   
• This policy can provide $364,698 in a life insurance benefit, payable to her children....OR
• The policy could help your client fund the cost of long term care services.  The death benefit can be accelerated, paying $14,588/mo up to 24 months. 
• Better yet, if your client later determines she needs the asset for another purpose, the premium can be returned with a policy surrender (up to 15 years). 

Sara Coleman, x 1 or This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Mary Beth Hofmeister,  x 4 or This e-mail address is being protected from spambots. You need JavaScript enabled to view it