Tax Free Benefits for Long Term Care eBook!

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"I'm saving $845 a year!!"

My 2003 policy was based on OLD rates. The NEW rates were 51% lower!!

Learn The Basic principles of Preparing for Cost-Effective Long Term Care

The reason for the original version of this book "Tax-Free Money for Long-Term Care" in 2013 was the same: to show families how to provide quality care for their loved one but attempt to pay for the care in the most tax- efficient cost-effective ways possible. Much has changed since then! As a result — the need for this new book "Tax-Free Benefits for Long-Term Care in a Post-Covid World".
Receive Your Free Copy Of "Tax-Free Benefits for Long-Term Care in a Post-Covid World"

CHECK OUT THE TABLE OF CONTENTS!

Lottie’s Million Dollar Story 


SECTION 1: 
The Long-Term Care Crisis

Chapter 1: A Close Look at the Numbers:
The Cost of Care

 Chapter 2: Where Will Your Aging
Parent Receive Care?

Chapter 3: Adult Children and Family Members Caring
for an Aging Adult—Give Yourself a Break



SECTION 2: 
Common (Partial) Solutions to the Long-Term Care Crisis 

Chapter 4: Safety in the Home 

Chapter 5: Understanding Health Insurance and Medicare: 
Does Medicare Pay for Long-Term Care?

Chapter 6: Understanding Medicaid 



SECTION 3: 
Comprehensive Long-Term Care Solutions 
Using Private Pay Strategies

Chapter 7: Traditional Long-Term Care Insurance and the Partnership Plan 

Chapter 8: Annuity-Based Long-Term Care and the Pension Protection Act of 2006 

Chapter 9: Individually Underwritten Immediate Annuities for Long-Term Care

Chapter 10: Asset-Based Long-Term Care Strategy 

Chapter 11: Long-Term Care Strategy Using IRA Money 



SECTION 4: 
Long-Term Care Solutions 
Using Government Benefits/Legal Strategies

Chapter 12: Legal Documents Needed for Long-Term Care Planning 

Chapter 13: How to Use Medicaid to Pay for Long-Term Care 

Chapter 14: How To Use Veteran Benefits to Pay for Long-Term Care 



SECTION 5: 
Finding Answers 

Chapter 15: Finding a Trusted Advisor Who Can Help 

Conclusion 

Resources 
ATTENTION: Life Insurance Policy Holders! 
A little-known, but amazing provision for many common types of life insurance is lifelong price protection of the policy. 

Yes, you read that right - Lifelong Price Protection!  

And, it's enforced by our government! A very important IRS code provides you this benefit. 

We know this IRS code very well!

In plain English, the code allowing you to exchange an Old Policy at higher rates to a New, Improved Policy at lower rates — without any taxation or government penalties — is essentially a 'Price Protection' clause included with your policy!

Here's what you need to know and how to find out how much you could save...

CHECK NOW & SEE HOW MUCH YOU CAN SAVE

6 Things You Should Know 
About Permanent Life Insurance Rates
1. Life Insurance rates have decreased dramatically.
Life Insurance rates are based off a government provided rate tables called a 'Mortality Table'. These tables are periodically adjusted. 

One of the most dramatic changes - to the consumer's benefit - happened in 2006.

If your policy was written January 2006 or earlier, it was likely based on a table from clear back in 1980!

New policies are written based on the most recent tables. And the new table rates are much, much lower! Meaning...

With a New Policy, YOUR premiums will likely be much LOWER!
2. Insurance companies are required to lower their rates.
Health improvements and living longer across the general population means the rates in the Mortality Table have reduced greatly. (I show you just how much on the next page). 

With the reductions in the rate table, insurance coverage can be offered at lower rates. 

In fact, the government requires insurance companies to lower their rates on newly developed products when mortality tables drop.
3. Insurance companies are not required to tell YOU about the lower rates.
The little known secret is Insurance Companies are NOT REQUIRED to alert their policy holders of new products and new lower rates. 

In reality, Insurance Companies have NO INCENTIVE to tell you about newer, lower cost policies...

Why? Because THEY MAKE A HIGHER PROFIT if you continue with your old, more expensive policy!

The Life Insurance industry may be the only industry that does not want their policy holders to upgrade to their latest and greatest products. 
4. Good News: Old Life Insurance Policies can be exchanged for new ones.
IRS regulations allow replacing old cash value policies with new, upgraded policies with lower rates... without taxation or government penalties!

This includes the common types of permanent life insurance such as Whole Life, Variable Life, Universal Life, Survivorship Life and Index Universal Life.
5. More Good News: Exchanging or upgrading to a new policy can save YOU money.
You may be able to replace your old policy with a new improved policy and lower rates.  

YOU SAVE MONEY WHEN YOU UPGRADE!
6. I put together a listing of the rate reductions based on your sex and current age.
Every age group has a rate reduction.


It's my personal belief YOU SHOULD BE RECEIVING THE SAVINGS from these rate reductions, not the insurance companies! Otherwise, they're just pocketing the additional profits at your expense. 
Take Advantage of this Little-Known Provision to Save YOU Money. 
Everything to Gain, Nothing to Lose.
Get a Quote Today and Start Saving

From the Desk of: Merle Gilley

Your being able to exchange your dated life insurance policy for a new and improved policy is a unique opportunity provided by our government. Properly executed, it is possible you can save money, earn more interest on your money, and create more liquidity, use and control of these valuable funds.

We pride ourselves in putting the clients first. We do this by making benefits like this known to the public, and properly executing these like-kind exchanges. Customers funds are safer, earn more interest, and our clients get many more benefits for their hard earned dollar.

COMMON QUALIFYING INSURANCE TYPES INCLUDE:

Whole Life  |  Variable Life  |  Universal Life  |  Survivorship Life  |  Index Universal Life

Upgrading is for YOUR Benefit!
  • No Taxes, No Government Penalties - We take advantage of little known IRS provisions to exchange old permanent life insurance policies to new, better ones for your benefit. We're experts at it.
  • Get More with Less - Just like cell phones have improved, so have our insurance policies. You may qualify for More Coverage, Better Benefits & Lower Rates.
  • Super Easy, Super Fast! See the rate savings immediately after submitting your information. If it's right for you, we'll talk. 
  • We specialize in Permanent Life Insurance Exchanges, making sure you get the best savings, best coverage and best policy for your needs and stage of life.
Check New Policy Rates
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