Long Term Care or life insurance quote from agent local to Columbia, S.C.

long term life insurance quotes

For your free, no obligation

Long Term Care insurance quote contact me, Ashley Brooks at:

or call my cell phone at

(803)331-5323 anytime!

Long Term Care Insurance - Is a Genworth or Hancock policy that the insured would need if they cannot perform 2 of 6 activities of daily living custodial care, in home, or nursing home coverage.

Term Life Insurance - Is a policy designed for a short erm period of time. Term Life Insurance coverage comes in increments of 5 years.

Whole Life Insurance - Is an endowment policy, building cash value and maintaining life coverage until age 100 (endowment age). Learn more about whole life insurance.

Universal Life Insurance - Is a more modern permanent policy that can build cash value, has flexible premiums, and can maintain coverage for as little or as long as you would like. Learn more about Universal Life Insurance .

Life Settlement - A Life Settlement is an updated version of a viatical life insurance settlement

Free Long Term Care Insurance Quote, South Carolina

Hi, I'm Ashley Brooks! I'm a Licensed

Long Term Care Insurance Agent serving South Carolina. I am a Native of SC and I live in Columbia. I make house/office calls all over the Palmetto State including Charleston and Hilton Head.

Every client has unique circumstances and needs to be advised carefully on each of these points below before buying LTC Coverage. You can also find up to date articles on my online journal .

The Daily Benefit Amount - Whether you are at home or in a nursing home you will need to choose a daily coverage amount. In South Carolina, the typical amount needed is a

$150/day benefit.

The Benefit Period - How long would you need the coverage? Historically, most people need the policy to pay out for 2-3 years. Any number of years' coverage is available, but the more years covered, the more expensive the policy.

Elimination Period - This is a deductible of sorts, but instead of you paying $, this is the amount of time you would have to wait until the policy pays out. Keep in mind that Medicare would cover about 100 days initially, so a 90 day EP would work well in that circumstance.

Inflation Protection - How old will you be when the policy is finally used? Will that be a long time from now or a relatively short time? You may need to hedge your benefit amount against inflation by adding an IFR Rider.

Other Moving parts - Return of Premium, Restoration of Benefits, Nonforfeiture, etc. I will advise you accordingly!

How does a policy begin paying out? Once a policy is in place, if the insured is certified by a doctor as not being able to perform 2 of 6 activities of daily living, the policy will then begin the elimination period then begin payments on an endowment or reimbursement plan.

long term life insurance quotes