Self-Insuring For Long-Term Care
May No Longer Be An Option For Your Clients

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• Clients who thought they could self-insure can no longer afford to.
  
  
• The erosion of retirement assets has changed the mindset for the affluent client regarding long-term care insurance (LTCI).
  
  
• The liquidity of assets to pay for long-term care may not be readily available.
  
  
• LTCI provides a guaranteed amount of money to pay for care at Home or in a Nursing Facility. For example: a $500,000 benefit today with a 5% compound inflation rider will double to $1,000,000 in about 14 years.
  
  
• Tax benefits for business owners and tax-free benefits are more important now that ever before.
  
  
  
• A client's risk tolerance can vary. Some may choose to self-insure 50 or 75% of the risk. This provides many choices for plan design.