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What Should You Look for in a Long-Term Care Insurance Policy?

7/16/2018

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​Think long-term care insurance could be right for you? That may be a smart decision. The U.S. Department of Health and Human Services estimates that today’s 65-year-olds have a 70 percent chance of needing long-term care at some point.1
 
Long-term care is ongoing assistance with basic, day-to-day living activities such as bathing, eating, mobility and more. It’s usually provided in an assisted living facility, but it can also be provided in the home, either by family members or by in-home health aides.
 
Regardless of where the care is provided, it’s usually a costly service. Long-term care often costs thousands of dollars per month, and care is often needed for years. It’s easy to see how it can be a long-term drain on your savings.

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How Much Life Insurance Do You Need?

5/10/2018

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​Don’t have life insurance? Or worried that you don’t have enough? You’re not the only one. According to a recent study from InsuranceQuotes, 40 percent of Americans don’t have life insurance coverage.1 Even among those who have insurance, many don’t know if they have the correct amount.
 
Risk management is a core component in any financial strategy. It’s hard to save for long-term goals if you haven’t protected yourself against catastrophic risk. There may be no greater financial risk than the death of a parent, spouse or financial provider. While you may not feel like you will pass away soon, unexpected death does happen. And it often creates sizable financial challenges for the deceased’s spouse, children and other loved ones. Life insurance helps you minimize that risk.
 
If you’re unsure about your coverage, now may be the right time to reassess your protection. Below are a few tips to help you estimate your life insurance need. You also may want to meet with a financial professional to help you develop a life insurance protection strategy specifically for your needs and goals.

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Thomas B. Scarpaci Jr., partner

​Joseph D. Sciarrino, CPA, partner

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P 718.698.1000
E tscarpaci@c1s.net
E jsciarrino@c1s.net
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​​300 West Service Rd., 2nd Floor
Staten Island, New York 10314

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This information is designed to provide a general overview with regard to the subject matter covered and is not state specific. The authors, publisher and host are not providing legal, accounting or specific advice for your situation.

Securities and Advisory Services offered through Client One Securities, LLC Member FINRA/SIPC and an Investment Advisor.  Financial Solutions Group, LLC and Client One Securities, LLC are not affiliated.
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This information has been provided by a Licensed Insurance Professional and does not necessarily represent the views of the presenting insurance professional.  The statements and opinions expressed are those of the author and are subject to change at any time.  All information is believed to be from reliable sources; however, presenting insurance professional makes no representation as to its completeness or accuracy. This material has been prepared for informational and educational purposes only.  It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. 
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