Meet Tim & Patty

  • Both recently retired, active and very healthy
  • Tim is 68 and Patty is 63
  • They are very concerned about Long-Term Care
  • They are interested in the idea of the Irrevocable Trust as a way to protect assets from LTC spend-down
  • If either one gets sick, they would like to remain at home as long as possible
  • Patty is frightened by the idea of going into a Nursing Home
  • They both would like to leave an inheritance to their two boys if possible
  • Tim is not a fan of traditional Long-Term Care insurance. His friend who owns a long term care policy just received a 67%rate increase.

Tim and Patty’s Assets.

Monthly Income ……………………………. $3,400
Monthly Expenses ……………………………. $3,000
Stocks & Bonds ……………………………. $20,000
Checking ……………………………. $37,000
Tim‘s IRA Account at Wells Fargo ……………………………. $700,000

By transitioning their money…

$8,561/month benefit are paid for each Tim and Patty for:

  • Home Health Care
  • Assisted Living
  • Skilled Care
  • 100% Full Refund of Premium*

$250,000

Tim‘s Current IRA

$250,000

Tim‘s New IRA that is 100% Liquid

$428,064

Death Benefit
(2nd Death)

Unlimited LTC Pool

*Plus $2,234 for
Lifetime Rider

*Return of premium products are limited. Please consult an insurance agent for more information.