Safe Harbor Term – Term Life Insurance with Living Benefits

Have you thought about (LTC) Long Term Care Insurance?

You may want to consider Safe Harbor with Linked Benefits!

Today, there is a new way buy Long Term Care Insurance. This hybrid plan covers you for Nursing Home coverage as well as Home Health Care. However, Safe Harbor Linked benefit is less expensive and offers more options and is an alternative to Traditional Long Term Care insurance. Safe Harbor has features that Long Term Care plans DO NOT offer.

Such as:

• Safe Harbor’s Rates are Guaranteed! Traditional LTC rates are NOT and can be increased.
• Qualifying for Safe Harbor is much easier with Safe Harbor Linked Benefits the LTC insurance.
• Safe Harbor covers you for conditions that would NOT be covered under Traditional Long Term Care Plans.
• Safe Harbor plan Pays a cash Benefit directly to the insured as soon as the doctor states client Can Not preform 2 of the 6 Activities of Daily Living. This is the same Definition as Traditional Long Term Care except with Traditional LTC, bills have to be collected and then paid to the Nursing Home Facility or Home Health Care Organization.
• Traditional LTC premiums are Lost at death if client never uses the LTC benefits vs. Death benefit the Life Insurance benefits less any paid claims.

Price EXAMPLE: Female Non Smoker Age 65 in Good Health

Traditional Long Term Care: Cost is $364.80 monthly and Premiums are “Not Guaranteed “
In this example Coverage is based on $6,000 Per Month benefit for 3 Years allowing up to $216,000 in benefits and in this example Coverage includes 100% coverage for Home Health Care.

Safe Harbor Linked Benefits: Cost is $279.34 monthly and GUARANTEED Not to change to AGE 85
In this example client has a pool of money available up to $218,500
In the event the client passes away before ever using the Long Term Care Benefit her spouse, children or Heirs of her choice would receive a check for $230,000 TAX FREE.