Burlingame, CA December 15, 2016 -- If you want to brighten the lives of everyone in your family, "Consider the gift of long-term care insurance," says Stephanie Searle, who represents xACSIA Partners Insurance Agency in CA. The company is a national leader in long-term care planning.
"Whether you get the policy for yourself or for aging parents, it's really a gift for everyone," Searle asserts.
* If you get a policy for yourself or spouse, you protect your assets and the future of your entire extended family. "With money available to pay for care," says Searle, "your savings and property won't be as vulnerable to unexpected care costs. And you may avoid relying on your children or other relatives to pay for your care." This knowledge alone can ease tensions and make the holiday season more pleasant, Searle points out.
* If you get a policy for aging parents, everyone benefits, not just them. "Your parents may live the rest of their lives with greater security and less fear," says Searle, "but you may also benefit. You guard against sudden, large care expenses down the pike, which could be disruptive. And you gain more control over your own future." For example, Searle explains, there's less likelihood you or your spouse will have to leave a job to provide care personally.
* Your children stand to benefit, too. With care expenses made more manageable through planning, educational plans can be made with greater certainty. "It's less likely you'll ever have to choose between tuition for your kids and care for your parents or spouse," says Searle.
The options recommended by Searle's organization include traditional long-term care insurance, life insurance or annuities with long-term care riders, critical illness insurance, and other solutions ranging from health savings accounts to Medicare supplement plans.
Information is available from Searle at stephanie.searle@acsiapartners.com, http://amoresecurefuture.com or 650-346-3449.
Stephanie Searle is a leading long-term care agent serving consumers and organizations in CA, with colleagues covering all other parts of the country.