Brighthouse SmartCare Review By: Cliff Marshall Brighthouse SmartCare is a hybrid long term care policy that provides protection through two different means. Like other hybrid long term care policies it works on a Index Universal Life Insurance chassis, with specific emphasis on Long Term Care Insurance Rider and Extension of Benefits Rider. Brighthouse SmartCare Provides: Guaranteed Long Term Care Payments Guaranteed Death Benefit Guaranteed Premiums Brighthouse SmartCare achieves this by paying out a portion of the life insurances death benefit as tax free long term care payment to you. So when you are in need [...]
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By: Cliff Marshall Cliff Marshall "There are Dozens of A rated Annuity Companies, and we represent them all. Feel Free to Contact Us if you would like to explore your options or request proposals. Our Software Compares all the Carriers to find the Highest Returns & Best Guarantees."- Cliff Long Term Care Annuity: A Great No Medical Exam Option for Tax Free Long Term Care Pay, Growth, and Asset Protection. Fixed Annuities: These are fixed interest investments issued by insurance companies. They pay guaranteed rates of interest, typically higher than bank CDs, and you [...]
Lincoln MoneyGuard III Review Fitch A+ Moody's A1 Standard & Poor's AA- If your Interested in a Single Policy Securian SecureCare and NationWide CareMatters II are currently the most competitive Hybrid Long Term Care Insurance Policies as of Summer 2020. For Joint Coverage we reccomend you read One America Asset Care . If you have any questions or would like to get some Proposals tailored to your situtation you can Call/Email Cliff Marshall Here. Cliff Marshall Lincoln MoneyGuard III is the replacement for Lincoln MoneyGuard II which left the marketplace on November 1, 2019. Lincoln [...]
Securian SecureCare Review Minnosota Life Ratings: Written By: Cliff Marshall A+ (Superior) A.M Best Aa3 (Excellent) Moody’s AA (Very Strong) Fitch Minnesota Life, a subsidiary of Securian Financial, is offering one of the most competitive Hybrid Long Term Care policies on the market. Securian SecureCare is a Hybrid Long Term Care Policy, which consists of a few important parts: Below we will give a quick example, followed by further in depth analysis of 1-5 listed here. After that we will go into the technicals, further examples, and finally a Hybrid long term care comparison. [...]
NationWide CareMatters II Cliff Marshall Author: Cliff Marshall What separates Nation Wide Care Matters II from other hybrid long term care policies? Its Cash Indemnity: Which provides a significant edge over conventional Long Term Care Policies. A majority of Long Term Care policies are what we call "reimbursement policies", which means when you qualify for care, you send your monthly bills to the insurance company to be reimbursed for the cost of care. However with a Nationwide CareMatters IIs Cash Indemnity plan, the company writes you a predetermined check at the beginning of the month. [...]