Insurance Planner

Find an Insurance Planner

Review of Health Care Insurance

• Medicare/Medicaid
• VA
• Private

Review of Long Term Health Care Insurance

Review of Catastrophic Coverage

Review of Life and Disability Insurance

Review your need for long term care insurance.

• Most Americans believe they have this coverage through Medicare, which is incorrect!
• This coverage is inexpensive if started when you are young and in good health.

Review your need for catastrophic health care coverage

• Unlike long term care coverage mentioned above, catastrophic care coverage refers to acute care until hospital discharge.

Understanding Long-Term Care Insurance

Long term needs

• How many people depend on your earnings?
• How much money will dependents need and for how long?

Short term needs

• What assets will be available to take care of dependents immediate needs?
• How long will your estate be tied up after death?
• Will your estate owe substantial debts and taxes?
• If you have a business, how much money will be needed to operate it until your estate is settled?

• Applicable if you are still working to provide a portion of your compensation in the event you are disabled.
• Review need for disability insurance.
• Disability insurance is available in short and long term options.
• Determine percentage of compensation required.