2 Out of 3
Seniors Will Require
Long-Term Care

NEW Pekin logo white_large

Does The Thought of Paying for Long-Term Care Costs Have You Worried?

More Options, Less Worry

Before Medicaid will cover your long-term care needs, you are expected to use any savings you have to pay for your own care.

Only once your savings are gone, will Medicaid take over.

But when Medicaid does take over, you may have less choice about your care. Medicare only covers skilled care and only if certain requirements are met. Of course, your family members could provide the care you may need someday, but with the way families are spread across the country, that may not be possible.

Screen Shot 2020-10-30 at 10.55.12 AM

What is the Different Between This Long-Term Care and Traditional Life Insurance?

Life Insurance with Traditional Long-Term Care Policies

  • Can be used for only one function
  • Subject to rate increases
  • You have to "use it or lose it"

Whole Life Insurance with the Long Term Care Rider

  • The policy can be used for multiple functions:
    • Long-Term Care Benefit
    • Leveraged Death Benefit
    • Guaranteed Cash Value Accumulation
  • Pre-pay, income-tax-free
  • More options to choose from
  • If you don't use it, or partially use it, your beneficiary receives the remaining death benefit

When & Why?

Does Whole Life Insurance with the Long Term Care Rider make sense for you and your family?

Learn More

What Is It?

Read more details on Pekin's Long Term Care Rider Outline of Coverage ICC15-LR141

Learn More
Long-Term Care Rider

When Would You Need Long-Term Care?

Below are just a few examples of when this type of care would be necessary...

Confined Care

If you or a loved one has a condition that restricts his/her ability to leave home without a supportive device, special transportation, the assistance of another person, or are told that leaving home is medically contraindicated.

Home Health Care

You or a loved one may need skilled nursing care, or other skilled care services, like physical and occupational therapy, speech/language therapy, and medical social services given at home. 

Alzheimer’s Care

Specially trained caregivers can help with self-care, medical care, communication, and safety if a loved one is starting to experience cognitive impairment symptoms such as memory loss, confusion, and disorientation.

Here's What Others Are Saying

Carol Nite

Who Will Be Helping Me?

I can help because I deal with Long-Term Care for my loved ones as well. I am living it every day, just like you.

Hi, my name is Carol Nite. I know firsthand what it means to be a caregiver and understand many of the challenges that both the person needing care and those providing it will face.

My husband and I have dealt with all four of our parents needing various levels of care in their senior years. And, three years ago, my husband was diagnosed with Parkinson’s disease. As a result, we are having conversations about long-term care now, while we still can, so that we can be better prepared for whatever the future brings.

Through all this, I want to take both my professional and personal experience with insurance to help you be better prepared as well. As a licensed insurance agent with Allegiance Insurance Services, Inc., I can act as a resource for you and help guide you through the plethora of options out there, while you still can too.

My goal is to help you and your loved ones navigate these uncertainties so that you and your family's future can be better protected.

I look forward to speaking with you.

Carol Nite
888-859-9484
carol@myallegianceins.com

Source of statistic in hero image: U.S. Department of Health and Human Services (Link:  https://longtermcare.acl.gov/)

Need more info?  It's just a few clicks away.

Start the Conversation
Complete the form below and we will contact you within 24 business hours for a no-obligation, informational phone appointment.

Allegiance Insurance Services, your one-stop insurance shop that can service you anywhere