"As an IMMS Member, you can become a Long Term Care Consultant"

Obtain a Long Term Care Insurance Quotation for your Clients Complete and Submit our Online... - or - Contact Peter Daenzer, CLU, CPCU, LTC Consultant Group Call (877) 501-4890, (760) 772-8235 Fax (760) 772-8236 or E-mail Today!

Peter B. Daenzer, CLU, CPCU, Managing Director, LTC Consultant Group is available for agency & client group presentations upon request. During his presentation, "Taking Care of Tomorrow - An Insider's Guide To Long Term Care", he states, "Baby-boomer or senior, protect your assets before it's too late!" Click here for more information on Mr. Daenzer.

As your clients and their families enter their 40s, 50s, 60s, 70s and beyond, part of retirement planning should include Long Term Care. Will parents or loved ones need Long Term Care?
Consider the following:

• More than 50% of all people over 65 need "custodial" care at home, in an adult day care center, in a residential facility or nursing home. For every 1,000 people...
  • Five will have a House Fire (the average loss is $3,428)
  • 70 will have an auto accident (the average loss is $3,000)
  • 600 will need Long Term Care (The average cost is $40,000 to $80,000 per year)
    (Source: Society of American Actuaries, 1995 & HIAA, 1994)
  Clients are prepared for just about everything -- except the coverage they're most likely to need:
  Long Term Care Insurance -- one of today's fastest growing coverage.

• Contrary to common belief, Medicare, Supplements, Health Insurance & HMO's don't cover long term "custodial" care at all. Only "skilled" care is covered for very limited periods of time. To qualify for Medi-Cal you must "spend down" most of your lifetime savings. Also, a new Federal law levies "criminal penalties" for certain asset transfers designed to create or hasten Medi-Cal eligibility.

• How much will Long Term Care cost? Now it costs $40,000 to $80,000 a year or more for possibly many years -- totaling HUNDREDS OF THOUSANDS OF YOUR HARD-EARNED DOLLARS!! What will Long Term Care cost in the future? Who will pay for Long Term Care? Long Term Care insurance could be the answer. "The Health Insurance Portability and Accountability Act of 1996" gives tax advantages for the purchase of Long Term Care insurance.