February 6, 2013 
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With a Return of Premium (ROP) Term Life insurance policy, the insurance company will pay your beneficiaries the death benefit should you die before the end of the term. The benefit of this type of term policy is if you outlive the term of the policy, the insurance company will return to you 100% of [...]
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February 5, 2013 0 Comments
In an article published by Julius Giarmarco, he writes about how owning permanent life insurance will be affected by The American Taxpayer Relief Act of 2012. Mr. Giarmarco makes a short and succinct point about how tax-deferred investments like permanent life insurance will become increasingly popular as a means to provide tax-deferral and tax-free access [...]
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January 30, 2013 0 Comments
Top Resource Internet Web Sites When a loved one needs Elder or Long Term Care it can be frustrating to find answers. Because of this www.LifeInsuranceThinkTank.com has put together a short list of expert resources for you to build your knowledge and understanding of the assistance that is available to you. By all means, this [...]
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January 29, 2013 0 Comments
The journey of a loved one needing elder or long-term care can be filled with anxiety, frustration, and other feelings of helplessness. The following internet sites are filled with useful resources. Each site has multiple links to other groups that will also benefit you. By improving your knowledge from these sites, you can improve your [...]
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January 28, 2013 5 Comments
There are new 2013 tax deductible limits for long-term care insurance (LTCi). Some people, especially older people, may benefit because of this. According to the Internal Revenue Service, tax-qualified LTCi premiums are considered a medical expense. For individuals who itemize tax deductions, medical expenses are deductible to the extent that they exceed current amount required [...]
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January 25, 2013 0 Comments
When we speak to consumers, they tell us they want long-term care insurance but hate paying for something that they may never use. Several of them have likened it to going to the dentist; something that is often necessary, but just as often avoided at all costs. Because of the true cost of long-term care [...]
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January 24, 2013 2 Comments
The Facts As a policy holder you have several choices. Currently, 70% of the people over 65 years of age here in the USA need some type of LTC care. According to the U.S. Census Bureau, in 2010, 66% of nursing home residents were women, and only 16% of all residents were under the age [...]
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January 23, 2013 0 Comments
Today, there is a great deal of attention that is being focused on the aging of the population. As the Baby Boomer generation begins to reach retirement age, people are starting to realize that there may come a time when they could need assistance due to declining health or ability. Because of increased life expectancy, [...]
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January 22, 2013 0 Comments
When your long-term care policy runs out will you have to become poor to obtain State help? The original long term care policies that were sold prior to 2005 were not Partnership Certified. This means that for the government Medicaid program to pay for someone’s long-term care expenses, the person would have to be impoverished, [...]
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January 21, 2013 3 Comments
Most people have a false perception of the facts. What are the chances in your lifetime that you will need some form of long-term care medical assistance either in at an in-patient facility, part-time during the day, or even at home? If you were to need long-term care, would you be covered? Most people would not. [...]
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