Who needs it; How to find the best policy

<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> <bR> <bR> <bR> <div> <B>(804) 744-8512</B></div> <bR> <bR> <bR> <div> <A HREF="long_term_care_insurance_plan_designs_for_free.htm" TARGET="_top" TITLE="Select Free Service"><U><B>Select Free Service</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> <bR> <bR> <bR> </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="3" COLOR="#000099" FACE="Arial" ><A HREF="index.htm" TARGET="_top" TITLE="Longterm care funding solutions by Finan"><U>home</U></A></FONT></div> <div> back to <A HREF="long_term_care__long_term_care_insurance.htm" TARGET="_top" TITLE="Press Releases"><U>Press Releases</U></A><FONT SIZE="1" COLOR="#000099" FACE="Arial" ><A HREF="long_term_care__long_term_care_insurance.htm" TARGET="_top" TITLE="Press Releases"><U>  </U></A></FONT></div> <div> <A HREF="long_term_care50.htm" TARGET="_top" TITLE="Alzheimers promising drug"><U><IMG SRC="04111110.png" border=0 width="17" height="17" ALT="prev" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A> <A HREF="guaranteed_principal__fixed_annuities__indexed_annuities.htm" TARGET="_top" TITLE="Potential 50 dropoff in Retirement Lifes"><U><IMG SRC="04211110.png" border=0 width="17" height="17" ALT="next" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A>     <A HREF="long_term_care__long_term_care_insurance.htm" TARGET="_top" TITLE="Press Releases"><U><IMG SRC="04011110.png" border=0 width="17" height="17" ALT="up" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A> <IMG BORDER="0" SRC="1x1.gif" HEIGHT="17" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" WIDTH="17"></div> <div> <I>Who needs it; How to find the best policy</I></div> <bR> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>Long-Term Care Coverage</B></div> <div> <B>Who needs it; How to find the best policy</B></div> <div> By John G. McHugh</div> <div> <I><B>The Observer</B></I>: January, 2004</div> <bR> <div> Americans are living longer than ever and facing the important decision of whether to purchase long-term care insurance. Most baby boomers and seniors buy this coverage to protect assets and income, preserve independence and provide quality care…preferably at home. A growing number of younger people are buying it to help their aging parents and protect the heirs.</div> <div>     </div> <div>      In general, long-term care protection is most suitable for people with a net worth of $100,000 to $2 million. Those with less will exhaust their assets and qualify for Medicaid; those with more can fund with our alternative asset-transfer solutions.</div> <div>     </div> <div>     With over 100 policies on the market-each with different benefits, premiums and qualifications-it pays to comparison shop.</div> <div>      </div> <div>     According to respected Money Magazine financial editor, Jean Chatzky, “Your best bet is to get quotes from at least three [insurance] companies.” In addition, you should consider a policy with at least a three-year term-the average time people need care. </div> <bR> <div> Look for a daily benefit that would cover the average LTC cost-in greater Richmond it is $150 per day, or over $54,000 per year. Look for a deductible period (the time before benefits begin) of 90-days. This is catastrophic coverage. Medicare may cover a limited amount up to 100-days maximum; therefore lowering your cost for LTC insurance by as much as 30% per year. Equally important, insist on insurers rated “A” or better by A.M. Best and “strong” by Standard & Poor's and Moody's.</div> <div>      </div> <div>     If you'd like to receive three quotes with just one call, Financial Strategies, Inc. will provide them-free of charge. As a member-firm of Long-Term Care Quote-which has been recommended in <I>Kiplinger's Personal Finance</I>, <I>Consumer's Digest</I>, <I>USA Today Weekend</I>, <I>Money Magazine</I> and on NBC's <I>The Early Today Show</I>-will ask for basic information on your age, health and location, then shop-for <I>free</I>-up to 15 top-rated carriers on your behalf. You'll get the three lowest-cost, highest-quality policies for you-and a <I>free personal consultation </I>over the phone or in person.</div> <div>      </div> <div> To request your <A HREF="long_term_care_insurance_free_plan_design_service47.htm" TARGET="_top" TITLE="Request free REAP plan for longterm car"><U><I>free information and personalized quote comparisons</I></U></A> please call Financial Strategies, Inc., Glenn Yeatts @ (804) 744-8512 Ext. 3, </div> <div> or visit its Website: www.fsi-ltc.com.</div> </td> </tr></table></body>