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Kettler Financial Planning Services
  • Home
  • About Us
    • What We Do
    • About Fred Kettler
  • Financial Solutions
    • The Planning Process
      • Financial Planning
      • Retirement Planning
      • Financial Engineering
      • Annuities
      • 401(k) Plans
      • Wealth Protection
      • The Retirement Savings & Income Dilemma
    • Life Insurance
      • Term Life Insurance
      • Whole Life Insurance
      • Premium Finance
      • Impaired Risk
      • Instant Term Life Quote
    • Disability Insurance
      • Comparing Disability Policies
      • Is 60% really 60%?
  • Blog
    • The American Dream 2017 & Beyond…
    • After Love Income Is Everything!
    • Cash-Flow is Everything (now and forever)
    • Financial Engineering
    • 10% Minimum Savings Rule to Financial Freedom (15% is better/20% is ideal)
    • Term Life Insurance
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Life Insurance with Long Term Care Riders

Many consumers appear to be reluctant when it comes to buying long-term care insurance in fear that their investment will be wasted if it is not used.

This problem has been solved by some insurance companies by combining life insurance with long-term care insurance. The idea is that policy benefits will always be paid, in one way or another. The amount of the long-term care benefit is usually expressed in terms of a percentage of the total life insurance benefit.

To better explain: The Long Term Care Rider enables you to accelerate a portion of the policy’s death benefit if the need arises to help cover the cost of long term care services during your lifetime.  The rider provides a flexible, economical alternative to other sources of funding. It can help ease the financial strain many families have to go through when there is a need for long term care.

Some of the benefits from adding the long-term care rider to a Whole Life policy include:

  • Lower impact of unanticipated expenses related to care
  • Protects your wealth, enabling you to leave behind a legacy for your loved ones
  • No need to purchase two separate policies
  • Controls the type of care you receive and where you receive it
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5901 SW 74th Street Miami, FL 33143
Phone: 305-669-9109

Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 14021 Metropolis Ave., Fort Myers, FL 33912. 239-561-2900. PAS is a wholly-owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Kettler Financial is not an affiliate or subsidiary of PAS or Guardian.

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2021-115680 Exp. 02/23