Baby boomers

<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> <bR> <div> <B>(804) 744-8512</B></div> <bR> <bR> <bR> <bR> <div> <A HREF="long_term_care_insurance_plan_designs_for_free.htm" TARGET="_top" TITLE="Select Free Service"><U><B><IMG SRC="0f15e720.jpg" border=0 width="94" height="114" ALT="Keep you pre and post-retirement dreams alive with funding options for long-term care and long-term care insurance" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <div> <B>Can I afford to liquidate $100,000 to $200,000 per year in retirement assets and income?</B></div> <bR> <bR> <bR> <bR> <div> <A HREF="long_term_care_insurance_free_plan_design_service47.htm" TARGET="_top" TITLE="Request free REAP plan for longterm car"><U><B>Free</B></U></A></div> <div> <A HREF="long_term_care_insurance_free_plan_design_service47.htm" TARGET="_top" TITLE="Request free REAP plan for longterm car"><U><B>REAP plan-design</B></U></A></div> <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> <bR> <bR> <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> <A HREF="long_term_care_insurance_executive_carve_out_plans.htm" TARGET="_top" TITLE="Businesses"><U><B>Businesses</B></U></A><FONT SIZE="1" 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="1" 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="1" COLOR="#000099" FACE="Arial" ><B>   |   </B></FONT><B>Baby boomers</B><FONT SIZE="1" 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="1" 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="1" 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="1" 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="1" 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>Baby boomers -- for long-term care funding solutions</I></div> <DIV ALIGN="LEFT"></DIV> <div>  <FONT SIZE="4" COLOR="#000000" FACE="Arial" ><I><B>The Situation</B></I></FONT></div> <div> <I><B>Can I afford the risk of paying $100,000 to $200,000 per year for the costs of long-term care services from my retirement assets or income? Would I even want to?</B></I></div> <bR> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" 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="Symb075c00b700f000000000.png" HEIGHT="16" 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 you and your family.</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">What are the odds of needing LTC services? </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">1 in 240      Chance of a severe auto accident</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" 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="Symb075c00b700f080000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">1 in 2</B><FONT SIZE="3" COLOR="#000000" FACE="Arial" >          Chance of requiring LTC services</FONT></div> <div> <I><IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" 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="3" COLOR="#000080" FACE="Arial" ><I>3 out of 4</I></FONT> of the same group will require <FONT SIZE="3" COLOR="#000080" FACE="Arial" ><I>care at home</I></FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" >¹</FONT><FONT SIZE="2" COLOR="#000000" FACE="Arial" >. </FONT></div> <bR> <DIV ALIGN="LEFT"></DIV> <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> <bR> <div> <I><B>The Solution -- </B></I><FONT SIZE="4" COLOR="#0000CC" FACE="Arial" ><A HREF="long_term_care_insurance_free_plan_design_service48.htm" TARGET="_top" TITLE="Request free plandesign for longterm ca"><U><I><B><U>Retirement Earnings & Assets Protector</U></B></I></U></A></FONT><FONT SIZE="4" COLOR="#111111" FACE="Arial" ><A HREF="long_term_care_insurance_free_plan_design_service48.htm" TARGET="_top" TITLE="Request free plandesign for longterm ca"><U><I> </I></U></A></FONT><FONT SIZE="3" COLOR="#000000" FACE="Arial" >™</FONT> plan (REAP<FONT SIZE="3" COLOR="#000000" FACE="Arial" >™</FONT><FONT SIZE="4" COLOR="#111111" FACE="Arial" ><I> </I></FONT>)</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">We provide you with a <I><B>free </B></I>customized REAP™ plan-design that is personalized to your needs and wants</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">We "drill down" the search for you of only the top-rated insurance carriers and quality plans...resulting in three policy quote comparisons that best fits your situation, along with our recommendations so that you can make an informed decision about long-term care insurance</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">You get to see the difference between "self-insured" vs. "risk-transfer" as it applies specifically to you</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Our licensed LTC Specialists are available to answer any questions, make recommendations and facilitate your buying decision</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Our Customer Care associates will facilitate your purchase throughout the application, underwriting and policy issue process</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f000000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">We function as your independent and objective resource and "buying facilitator"</div> <bR> <div> Request your <I><B><U>free</U></B></I>, no obligation and customized <FONT SIZE="4" COLOR="#000099" FACE="Arial" ><A HREF="long_term_care_insurance_free_plan_design_service48.htm" TARGET="_top" TITLE="Request free plandesign for longterm ca"><U><B>REAP</B></U></A></FONT>™ plan-design</div> <bR> <bR> <bR> <bR> <bR> <bR> <bR> </td> </tr></table></body>