Life Time Care

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Long Term Care planning=Asset and Income protection
Lifetime Income is a challenge today and in the future. One of the greatest challenges is the potential of the high cost of professional care in our later years. While the best retirement income investment programs account for many possible investment markets: pull backs and recessions, they often fail to account for this high cost of care., and this can be devastating to most families.  Asset protection strategies designed to 1)cover the cost of extended life time care for both spouses, and 2)maintain estate equity in the event of little or no use.

Assets that protect you against the depletion of the estate due to long term care expenses, but do not deplete your retirement income or the estate itself! Call us to see how this planning that is specific to your unique situation might be of value to you and your family.

We have a medical prescreen that is essential in determining if long term care insurance is a viable option in your sepcific case. This will help us tofind the best possible insurance for you and your family. No cost and no obligation.  Click here for the PRESCREEN and be sure to note Randall Christian as your advisor.






Life Care Funding is a well established, yet little know method of providing care for a loved one that needs it very soon.  It converts an existing life insurance policy on the life of the family member that needs care into a pool of available funds to pay care providers directly.  Often this pool of funds is much larger than the cash surrender or loan value of a permanant insurance plan such as whole life or universal life.  It also includes the conversion of term life insurance as well.  Term insurance, as we all know, has no cash value and increases in cost with age.  The Life Care Fund is also excluded from Medicaid spend down assets, making qualification for this government program easier.

The commonly called Federal "Aid and Attendance" benefit is available to certain US military veterans and their surviving spouses.  It is intended to pay for long term care, such as that received in an assisted living facility, and in some cases at home.  The amount of the benefit can be as much as $23,000 per year for life.  There are military service requirements as well as financial requirements and of course the documented need for care..

The help of a qualified professional is most important to first evaluate the potential eligibility and assist with a plan to fully develop your claim. Failure to plan first through professional assistance could result in long delays and possible unnecessary decline of the claim.


Advance pre-planning is always best. But we are here to help where ever you are in the process.