August 2020

Global Atlantic ForeCare


Global Atlantic ForeCare By: Cliff Marshall Global Atlantic ForeCare is a fixed annuity with Long Term Care Benefits. When planning for retirement we often worry about protecting our assets from market downturns, taxes, and inflation. On top of all this you also must consider the likelihood of a situation that will require the need for long term care of either you or your spouse. Statistics are now stating that over 70% of people age 65+ will need long term care in the future. It is crucial to find a solution to cover this risk. Without [...]

Global Atlantic ForeCare2020-09-09T19:20:42+00:00

July 2020

Brighthouse SmartCare


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. If your Interested in a Individual Policy, Securian SecureCare is best for Cash Building and NationWide CareMatters II is best for maxing out your LTC benefits. These two are currently the most competitive Asset based long term care plans as of Summer/Fall 2020. [...]

Brighthouse SmartCare2020-09-01T16:50:41+00:00

June 2020



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 [...]


February 2020

Securian SecureCare Policy Review


Securian SecureCare Review   Minnosota Life Ratings: By: Cliff Marshall A+ (Superior)  A.M Best Aa3 (Excellent) Moody’s AA (Very Strong) Fitch Securian Financial  is now offering one of the most competitive Hybrid Asset Based Long Term Care policies on the market. Securian SecureCare is an Asset Based Long Term Care Policy, which will be discussed in depth throughout this post. Below we will give a quick example, followed by further in-depth analysis of the following five points. After that we will go into the technical, further examples of and finally an Asset Based Long Term [...]

Securian SecureCare Policy Review2020-09-10T12:49:58+00:00

December 2019

What is Medicare?


What is Medicare? Medicare is a United States Government Health Insurance program for people over the age of 65. It also provides coverage for certain people with disabilities or end-stage renal disease. Medicare is categorized into 4 parts, below we will go over those parts together. Medicare Part A What is Medicare Part A? It’s simplest definition is Hospital Insurance. It assists in the cost of room and board in a hospital, skilled nursing facilities, hospice, and home health care. Not to be confused with a long term care policy. It does not cover things such as [...]

What is Medicare?2019-12-08T18:46:43+00:00
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