Long-Term Care Insurance

Gimmick or Necessity?

Learn the truth!

Unsuspecting seniors often fall prey to sales pitches that promote unnecessary policies, inferior products and unsuitable solutions.

Because long-term care insurance in a complex product with hundreds of variables, it's no wonder that people are confused. Stellar Insurance Services, Inc. wants to empower interested individuals to make an informed decision that will help them maintain their dignity and independence.

Americans live in an amazing time when medical and technological advances allow them to live longer than ever before. That's wonderful, but longer life spans are accompanied by serious challenges. A major challenge of retirees is the likelihood of outliving financial resources.

An individual's long-term care costs in Utah average approximately $55,000 per year. These costs have wiped out estates that took decades to build. Long-term care insurance can be a great solution to protecting an estate, but it isn't for everyone.

Stellar Insurance Services, Inc. can help you learn:

• Whether or not long-term care insurance is appropriate for you.
• Viable alternatives to long-term care insurance.
• What you can expect to pay for LTC premiums.
• Why your children may not be able to care for you in their homes.
• How to choose a policy suited to your needs.
• Why long-term care insurance is usually a much better solution that Medicaid.
• How you can use your IRA to fund a LTC policy.
• How to recover premiums if long-term care is never needed.

Stellar Insurance Services, Inc. is an independent agency that doesn't promote any particular insurer or product. Our goal is to empower you to find the right solutions to long-term care needs! Please contact us and ask for "A Shopper's Guide to Long-Term Care Insurance" if you want more in-depth information.

Stellar Insurance Services, Inc. Salt Lake: 733-SAVE (7283) Toll-Free: (866) 209-2455 info@733save.com