Long-term care is the assistance people need when they can no longer perform basic activities of daily living, such as eating, bathing, dressing or taking medications. These needs typically arise as part of the normal aging process but can also be due to injury or illness such as a stroke or cognitive impairment like Alzheimer's disease. When the need for long-term care services arises, having an insurance policy in place to help cover the cost of care may ensure your retirement assets remain intact.
Critical illnesses can happen to anyone. Even those who live a health lifestyle run the risk of being diagnosed with one or more of these illnesses. No one likes to think about the possibilities. But the risks are very real.
Indemnity means "protection or security against a loss or other financial burden." Hospital Indemnity insurance is designed to do just that - help protect your savings by offsetting the cost of deductibles, co-pays and unexpected or additional expenses not covered by your other insurance plans
Everyone has different concerns in different areas of supplemental health plans. Whether it is long-term care, critical illnesses or covering the gaps in a primary health policy, I know that together we can find your solution.