One America

February 2020

Securian SecureCare Policy Review


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. [...]

Securian SecureCare Policy Review2020-02-29T22:38:37+00:00

January 2020

Nationwide CareMatters II


NationWide CareMatters II What separates Nation Wide Care Matters II from other hybrid long term care policies? Cash Indemnity: Provides a significant policy 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. This money can be used as you see [...]

Nationwide CareMatters II2020-03-01T16:55:53+00:00

June 2019

Mutual of Omaha Long Term Care Insurance


Mutual of Omaha Long Term Care Insurance If you are considering purchasing a Long Term Care Insurance Policy, it is important to speak with a Long Tern Care Specialist. Who can help you navigate the market place, and find the best coverage and Funding Option Available. If you are at all worried about the possibility of burdening your family and estate with the costs of Long Term Care. Now is the time to address these concerns. Mutual of Omaha now offers Mutual Care Solutions Portfolios– a Secure Solution which is a traditional plan. While a Custom Solution [...]

Mutual of Omaha Long Term Care Insurance2020-03-01T16:38:49+00:00

May 2019

Long Term Care Annuity


Long Term Care Annuity Long Term Care Annuities are at the forefront of the ever changing long term care field. As more and more people are planning their retirements. They are starting to see the missing leg in their Retirement Stool. Their guaranteed income is covered, their estate is as well, but what they are missing is the final leg. Long Term Care Insurance. A lot of us have had to deal with parents or grandparents needing assisted living. And lets just say, those who had coverage, had a much more pleasant experienced, than those who did [...]

Long Term Care Annuity2019-05-21T17:20:48+00:00

April 2019

Asset Based Long Term Care


Asset Based Long Term Care Insurance Asset Based Long Term Care Insurance is the future of the industry. Now with over 1.4 million people in nursing homes in the United States, and recent studies showing 10 out of every 14 people (70%) are going to need some form of long term care in the the future. It’s now more important than ever, to understand you options and understand the future. Yet despite these needs, we are seeing less and less people pursue long term care insurance. So why is this? Well everyone one has a reason for [...]

Asset Based Long Term Care2019-05-15T03:49:18+00:00