Some of the Long-Term Care Planning Solutions INERTIA Recommends

 

These are some of the most popular solutions being utilized today!  Please click on the links below to view a video on the specific solutions, and if appropriate, share the link with your clients and prospects.  When you're ready, we look forward to discussing your client(s) LTC Planning needs and then customizing solutions to better meet those needs.

 

OneAmerica AssetCare Solutions

For clients concerned about Healthcare In Retirement, OneAmerica Care Solutions offers guarantees that traditional long-term care insurance simply cannot.  Many of those traditional products have experienced significant product changes in the past few years, along with unexpected premium increases and even carriers leaving the market altogether.  Through it all OneAmerica's AssetCare has continued to provide your clients with LTC benefits built on a solid life insurance chassis to guarantee:

  • Premiums never increase
  • LTC benefits never decrease
  • Cash value growth
  • The option to select a Lifetime Benefit
  • Death benefits are available if not used for LTC
  • The option to have your premium returned

OneAmerica AnnuityCare Solutions

Make sure your clients’ nonqualified annuities are aligned with their goals!  The Pension Protection Act (PPA) allows for income tax-free withdrawals from specially designed nonqualified annuities to fund LTC expenses, regardless of cost basis. This allows clients to protect their retirement by guaranteeing funds are available for qualified LTC expenses. By exchanging a current annuity for an annuity that qualifies for the PPA advantages, your clients can be matched with a vehicle that can meet their needs while providing a tax advantage. Of course, before any annuity exchange is made, all factors should be weighed to verify the
client’s best interest.

Lincoln Financial MoneyGuard III

Help protect your clients' assets from long-term care (LTC) expenses with a solution that gives them options.  MoneyGuard III is a hybrid LTC funding solution that provides benefits to reimburse LTC expenses that also provides flexible premium payment options to fit your clients' financial needs. 

Global Atlantic ForeCare

Seven in ten Americans age 65 and over will need some form of long-term care due to illness, injury or physical or mental disability. Long-term care (LTC) is assistance received at home or in a nursing facility, for those who can no longer perform simple tasks of daily living.  You can help your clients plan now with a strategy powered by Global Atlantic’s ForeCare – a fixed annuity with many LTC benefits. Learn more by watching our short, informative video…

Nationwide CareMatters

Nationwide CareMatters II is a "hybrid" solution that provides LTC coverage along with a death benefit that ensures your client's premium won't be lost should they never need care.  The brief video below will explain how Nationwide CareMatters II was designed to offer your clients familiarity, choice and flexibility as you help them prepare for the future and address Healthcare In Retirement.

 

        Sponsor Code = "LTC"

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