Businesses

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0 height="100%"><tr> <td valign="top" width=170 BGCOLOR="#000099" TEXT="#F7F7FF" background="043aac00erkqpg.png"> <bR> <bR> <bR> <bR> <div> <B>(804) 744-8512</B></div> <bR> <div> <B>Use tax-deductible dollars -- to protect the erosion of your retirement and business assets and income</B></div> <div> <A HREF="long_term_care_insurance_plan_designs_for_free.htm" TARGET="_top" TITLE="Select Free Service"><U><B><IMG SRC="0e162920.jpg" border=0 width="98" height="146" ALT="long-term care insurance and free plan-designs for businesses for long-term care needs" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <div> <B>I have to liquidate $100,000 to $200,000 per year of my assets for the next 3-5 years!</B></div> <bR> <bR> <div> <B>Presentation:</B></div> <div> <A HREF="long_term_care_presentation_for_businesses.htm" TARGET="_top" TITLE="Executive carveout plan for longterm ca"><U><B>Executive carve-out</B></U></A></div> <div> <B>  </B></div> <div> <A HREF="long_term_care_insurance_free_plan_design_service.htm" TARGET="_top" TITLE="Request free Executive carveout plan fo"><U><B>Free </B></U></A></div> <div> <A HREF="long_term_care_insurance_free_plan_design_service.htm" TARGET="_top" TITLE="Request free Executive carveout plan fo"><U><B>REAP plan-design</B></U></A></div> <bR> <bR> <bR> <bR> <bR> <div> <A HREF="long_term_care_insurance_solutions.htm" TARGET="_top" TITLE="Contact Us"><U><B>Contact Us</B></U></A></div> <div> <A HREF="long_term_care_insurance_quotes_personalized_and_free.htm" TARGET="_top" TITLE="Our Programs and Services"><U><B>Back</B></U></A></div> </td> <td valign="top" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <FONT SIZE="5" COLOR="#000066" FACE="Arial" ><B>Long-term care funding solutions by Financial Strategies </B></FONT><FONT SIZE="1" COLOR="#000099" FACE="Arial" >     |    </FONT><B> </B><A HREF="index.htm" TARGET="_top" TITLE="Longterm care funding solutions by Finan"><U><B>home</B></U></A></div> <div> <B>Businesses</B><FONT SIZE="3" COLOR="#000099" FACE="Arial" ><B>   |   </B></FONT><A HREF="long_term_care_insurance_free_plan_design_for_physicians.htm" TARGET="_top" TITLE="Physicians"><U><B>Physicians</B></U></A><FONT SIZE="3" COLOR="#000099" FACE="Arial" ><B>   |   </B></FONT><A HREF="long_term_care_insurance_solutions_.htm" TARGET="_top" TITLE="Seniors"><U><B>Seniors</B></U></A><FONT SIZE="3" COLOR="#000099" FACE="Arial" ><B>   |   </B></FONT><A HREF="long_term_care_insurance_quotes_and_total_funding_solutions.htm" TARGET="_top" TITLE="Baby boomers"><U><B>Baby boomers</B></U></A><FONT SIZE="3" COLOR="#000099" FACE="Arial" ><B>   |   </B></FONT><A HREF="annuity_review_checkup.htm" TARGET="_top" TITLE="Annuity Review"><U><B>Annuity Review</B></U></A><FONT SIZE="3" COLOR="#000099" FACE="Arial" ><B>   |   </B></FONT><A HREF="long_term_care_insurance_services.htm" TARGET="_top" TITLE="Customer Care"><U><B>Customer Care</B></U></A><FONT SIZE="3" COLOR="#000099" FACE="Arial" ><B>   |   </B></FONT><A HREF="long_term_care_costs_compared_via_self_insured_vs__risk_transfer.htm" TARGET="_top" TITLE="Selfinsure vs. Risktransfer "><U><B>Self-insure vs. Risk-transfer </B></U></A><FONT SIZE="3" COLOR="#000099" FACE="Arial" ><B>   |   </B></FONT><A HREF="long_term_care_funding_choices.htm" TARGET="_top" TITLE="AssetTransfer "><U><B>Asset-Transfer </B></U></A><FONT SIZE="3" COLOR="#000099" FACE="Arial" ><B>   |   </B></FONT><A HREF="long_term_care_alternative_funding_solutions.htm" TARGET="_top" TITLE="Poor health? "><U><B>Poor health? </B></U></A></div> <div> <I>Businesses -- for long-term care funding solutions</I></div> <DIV ALIGN="LEFT"></DIV> <div> <I>The Situation</I></div> <div> <I><B>Can I afford the risk of paying $100,000 to $200,000 per year f</B></I><I><B>or the costs of long-term care services </B></I><I><B>from my retirement assets or income? Would I even want to?</B></I></div> <bR> <div> <IMG BORDER="0" SRC="Symb075c00b700dc00000000.png" HEIGHT="15" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Current costs of long-term care (LTC) services average $55,000 per year, or $275,500 over 5-years. LTC costs have been increasing at a 5% compound rate per year. </div> <div> <IMG BORDER="0" SRC="Symb075c00b700dc00000000.png" HEIGHT="15" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">LTC costs can quickly erode available sources of income -- <I>forced liquidation of assets and/or income </I>over a 3 to 5 year period or longer -- and create <I>unpalatable tax consequences</I>…resulting in greatly reduced income, quality of lifestyle and loss of assets/income designated for your family.</div> <div> <IMG BORDER="0" SRC="Symb075c00b700dc00000000.png" HEIGHT="15" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">What are the odds of needing long-term care services? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700dc00000000.png" HEIGHT="15" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">1 in 240      Chance of a severe auto accident</div> <div> <IMG BORDER="0" SRC="Symb075c00b700dc00000000.png" HEIGHT="15" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">1 in 1,200   Chance of a severe house fire </div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700dc80000000.png" HEIGHT="15" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">1 in 2</B><FONT SIZE="2" COLOR="#000000" FACE="Arial" >         Chance of requiring LTC services</FONT></div> <div> <I><IMG BORDER="0" SRC="Symb075c00b700dc00000000.png" HEIGHT="15" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">1 out of 2 </I>baby boomers and seniors will require some level of LTC services after age 65 and <FONT SIZE="2" COLOR="#000080" FACE="Arial" ><I>3 out of 4</I></FONT> of the same group will require <FONT SIZE="2" COLOR="#000080" FACE="Arial" ><I>care at home</I></FONT>¹. </div> <div> <IMG BORDER="0" SRC="Symb075c00b700dc00000000.png" HEIGHT="15" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">LTC services are not just for seniors. People age 18 to 64 account for<B> </B><FONT SIZE="2" COLOR="#0000CC" FACE="Arial" ><I>40% of today's care</I>²</FONT> (e.g., heart attack, accident, stroke, cancer, etc.).</div> <bR> <div> 1<FONT SIZE="1" COLOR="#000000" FACE="Arial" > HIAA, "LONG TERM CARE: Knowing the risk, paying the price", 1997 </FONT></div> <div> ² Health Insurance Association of America, Guide to Long Term Healthcare Insurance, 1999</div> <DIV ALIGN="LEFT"></DIV> <div> <I>The Solution -- </I><I><B><U>Tax-deductible </U></B></I><I>dollars for risk-transfer    </I><A HREF="long_term_care_insurance_free_plan_design_service.htm" TARGET="_top" TITLE="Request free Executive carveout plan fo"><U><I><IMG SRC="0c73e3e0.jpg" border=0 width="62" height="62" ALT="long-term care funding for businesses for long-term needs" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></I></U></A></div> <div> As a corporation you have <I><B>major </B></I>tax-advantages and flexible options in implementing an Executive carve-out long-term care insurance plan for you and your key people</div> <div>  </div> <div> <B><IMG BORDER="0" SRC="Wing0a7300a800f080000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">100% tax-deductible</B><FONT SIZE="3" COLOR="#336666" FACE="Arial" ><B> </B></FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" >- Premiums paid for owners and spouses, “participant-selective” employees and their spouses and/or parents/in-laws and retirees are treated as a business expense (accident & health benefits)</FONT></div> <div> <B><IMG BORDER="0" SRC="Wing0a7300a800f080000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">No taxable income to key employee</B><FONT SIZE="3" COLOR="#336666" FACE="Arial" ><B> </B></FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" >- Premiums paid by the corporation are not added to the participant recipient's gross income </FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" >(unless it is for non-dependent parents/in-laws)</FONT></div> <div> <B><IMG BORDER="0" SRC="Wing0a7300a800f080000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Benefits are tax-free</B><FONT SIZE="3" COLOR="#336666" FACE="Arial" ><B> </B></FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" >- Proceeds paid at time of claim are income tax-free </FONT></div> <div> <B><IMG BORDER="0" SRC="Wing0a7300a800f080000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">“Participant-selective”</B><FONT SIZE="3" COLOR="#336666" FACE="Arial" > </FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" >- You can also choose which key employees can participate, aside from yourselves, or none at all.</FONT></div> <DIV ALIGN="LEFT"></DIV> <div> <FONT SIZE="2" COLOR="#000000" FACE="Arial" > </FONT><U>Note</U>: I.R.C. Sections: 162(a); 106(a); 7702B(a)(3); 7702(d); 7702B(a)(2); and 7702B(a)(2)(c)</div> <div> Request your <I><B><U>free</U></B></I>, no obligation <FONT SIZE="4" COLOR="#000099" FACE="Arial" ><A HREF="long_term_care_insurance_free_plan_design_service.htm" TARGET="_top" TITLE="Request free Executive carveout plan fo"><U><I><B>Retirement Earnings & Assets Protector</B></I></U></A></FONT>™ (REAP™) Executive carve-out plan-design </div> <bR> <bR> <bR> <bR> <bR> <bR> <bR> <bR> </td> </tr></table></body>