One America

April 2023

Brighthouse SmartCare


BrightHouse SmartCare If you're looking for a comprehensive long-term care insurance policy, look no further than Brighthouse SmartCare. This hybrid policy offers protection through two different means. At its core, Brighthouse SmartCare is an index universal life insurance policy with specific emphasis on the Long Term Care Insurance Rider and Extension of Benefits Rider. This unique combination provides a host of benefits that make it stand out from other policies in the market. One of the key benefits of Brighthouse SmartCare is its guaranteed long-term care payments. The policy also offers a guaranteed death benefit and premiums, giving [...]

Brighthouse SmartCare2023-04-03T11:48:42+00:00

Is long-term care insurance worth it?


Is long-term care insurance worth it? Long-term care insurance is a type of insurance policy that can help cover the costs of long-term care services such as home health care, nursing home care, and assisted living. While it is true that long-term care insurance may not be necessary for everyone, it can be a valuable investment for those who want to protect their assets and ensure that they receive quality care in their old age. Here are a few reasons why long-term care insurance may be worth considering: Protect Your Retirement Savings: Long-term care can be expensive, and [...]

Is long-term care insurance worth it?2023-04-02T23:06:26+00:00

What disqualifies from long-term care insurance


Long-term care insurance can be an essential investment for those who want to ensure they have access to quality care as they age. However, not everyone is eligible for long-term care insurance. There are certain factors that can disqualify someone from obtaining long-term care insurance coverage. In this blog post, we'll explore what disqualifies from long-term care insurance and how you can ensure you qualify. What is Long-Term Care Insurance? Long-term care insurance is a type of insurance that provides coverage for care that is needed over an extended period of time. This type of insurance is designed [...]

What disqualifies from long-term care insurance2023-04-02T22:52:02+00:00

Lincoln MoneyGuard III


Lincoln MoneyGuard III is a long-term care insurance policy that offers a range of benefits and features. As a replacement for Lincoln MoneyGuard II, which was discontinued in 2019, this policy has a higher cost than other plans currently available in the market. However, its unique features and benefits make it a popular choice among many customers. One of the benefits of Lincoln MoneyGuard III is its flexibility in terms of policy options. Customers can choose from a variety of policy examples, including a male age 60 with $4,500 a month long-term care benefit for six years with [...]

Lincoln MoneyGuard III2023-04-02T21:43:51+00:00

July 2021

Washington Long Term Care Trust Act


Cliff Marshall Washington Long Term Care Trust Act The WA Care fund was previously known as the Washington Long-Term Care Trust Act. This is a new tax created as law that makes Washington the first state to create a publicly funded insurance program that will provide participants, working residents of Washington, an opportunity to vest into a basic plan of long-term care benefits. This program will be funded by Washington workers who will pay a tax through payroll deductions. You are allowed to “opt out” of the plan if you can attest to having long-term [...]

Washington Long Term Care Trust Act2021-07-18T19:50:44+00:00
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