877-739-1172


Independent Life Insurance Agents
Committed to Service and Solutions

Our Services Life Insurance Annuities Long Term Care Disability
Long Term Care Disability Home Page

What is Long Term Care Insurance?

The expenses associated with long term health care due to chronic health conditions or mental and cognitive impairments can be great. These expenses can be beyond the scope of someone’s resources or exhaust one’s savings thereby adversely impacting the surviving spouse and any financial legacy left for family members.

The U.S. Department of Health and Human Services estimates that 70% of Americans who reach the age of 65 and beyond will have a need for some kind of long term or extended health care which is not covered by regular health insurance, covered by Medicare to only a very slight degree and only covered by Medicaid after most all other financial assets are spent down.  Long term care planning and funding that planning with long term care insurance can be the answer.

We recommend you consult one of our agents that are qualified and experienced in these matters for help in this area.
Contact Us


However, in order to be heavily affordable to the customers, these replica watches often use poor quality battery and machine in these replica watches sale, which indeed ruins the quality and durability of the watches. Hence always, focus deeply on the quality of the rolex replica sale that you prefer to buy. Consult your friends, browse through the web, and conduct good market research to find all about the genuine replicas sellers dealing in ladies rolex replica sale. Also, you may browse through the various Rolex forums available on the internet. At these forums, you may not only read their experiences with the replica watches sale as well as the originals, but can also ask them questions regarding best replica selling websites and etc.