Long Term Care Insurance?

One America Asset Care

Cliff Marshall

In today’s market it is paramount to find a product that fits your specific needs.

Approaching multiple companies and trying to compare products yourself can be tedious, confusing, and down right time consuming.

This is where we come into help. As brokers with decades of experience, we are able to streamline both your education of the products, as well as answer any questions you have about them. This allows you to make an educated buying decision on your own accord.

We are Registered in all 50 States and Licensed with all the Top Rated Companies.

We can Compare and Contrast the prices between like Genworth, State Life One America Asset Care, One America Annuity Care, Pacific Life, Mass Mutual CareChoice One, Lincoln Money Guard, American General Quality of Life, Transamerica, Securian/Minnesota Life, New York Life, Global Atlantic, Asset Based Long Term Care and More.

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Cliff Marshall

In 1987 Cliff began his career at Mutual of New York as an life and disability insurance agent where he worked with individuals and businesses on their insurance plans. In 1995 he was promoted to be the Agency Manager of the San Antonio Branch. After a few years, Cliff missed the interactions and relationships he had built with his clients, and returned to production.

Over the last 30 years he has taken great pride in the work he does and fully understands the impact his long term care policy’s have on both his clients and their families. Over the years, clients have become friends, and that is what sets us apart of what sets us apart from other agencies.

What is Long Term Care Insurance?

What is Long Term Care Insurance? Long Term Care Insurance is funadmental part of retirement and ageing. It provides protection to you and loved ones from raising costs of care in a number of facilities like:

  • Assisted living facilities
  • Continuing care retirement communities
  • Nursing Homes
  • Adult Day Care Centers
  • Your Home

Those aged 65 and older have a 70% of needing Long Term Care at some point in the future. With the Average Duration of care being 3 years, and the average cost of a single room nursing home is upward of $200 a day or north of $80,000 a year. This leads to most families attempting to provide care for their elder relatives, which intern places considerable strain on the relationships of the parties involved.

Livable income and estates originally intended for their heirs can quickly be depleted in a matter of 1-2 years. At which point either relatives must provide care or the individual must move into medicaid nursing homes. At the same time, In the present moment. We are seeing an attempt by governments to slash these social safety nets in the coming years. A recent bill was proposed to cut Medicaid by 80 million dollars annually.

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What We Offer You

  • The Ability to Compare Costs and Benefits of Dozens of Different Policies.
  • Independent Unbiased Advice. We are brokers licensed with all the major carriers. So we shop around to find you the best product.
  • Several Specialty Products. Not All Brokers Have Access To.
  • Unmatched Experience. With over 32 Years of experience in Long Term Care, Life, and Hybrid Policies.