Long term care insurance

Long term care insurance will pay you a daily cash benefit should you become functionally dependent.  This means you would be either cognitively impaired or no longer able to perform 2 or more of the general activities of daily living, such as feeding, bathing, dressing, transferring or toileting.  The dependence can be a result of an injury or sickness, and the benefit can typically be used for any expense that you choose.

Many of us may need long-term medical care in the future, whether it is in our home or a long term care facility. This type of care brings with it financial risks: the risk that we cannot afford a desired level of medical care and/or the risks that these costs may deplete or significantly reduce our retirement savings during our lifetime. 

"My advisor has done a totally outstanding job of managing my finances.  Each investment has been thoroughly thought out, researched, and explained with all my questions fully and patiently answered."

Sharon A.