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Insurance Planning

Did you know that 70% of retirees will need long-term care at some point in their life?1 With the average cost of a semi-private room in a nursing care facility being around $82,000 a year, it’s vital that retirees and pre-retirees plan ahead of time for health care costs.

We help pre-retirees and retirees create a retirement plan that prepares for long-term care and health care costs, so they don’t derail your hard-earned savings.

Medicare

Since employees aren’t required to maintain coverage for retirees after their employment ends, many retirees rely on Medicare for health care costs. According to a study by the US Department of Health & Human Services, healthcare costs are upward of $11,000 per year for adults 65 and older (contrasting $6,000 for adults between 45-64).2 Unfortunately, Medicare doesn’t cover all health care costs, and doesn’t typically cover long-term care costs.

In order to help prepare for medical costs in retirement, we can help you file for Medicare, figure out which Medicare types are right for you, and prepare for any costs that Medicare doesn’t cover.

Life Insurance

It’s true that life insurance is about protecting your loved ones after you’re gone. But it’s also much more than that. Insurance like universal life can help you live and enjoy the life you want before and after retirement. By tapping into hidden techniques many people don’t know about, our professional advisors can help you develop a plan for the retirement you really want.

Sources:
1: https://www.americansenioralliance.com/seniors_over_65_will_need_long_term_care
2: https://www.registerednursing.org/articles/healthcare-costs-by-age/

Insurance Planning with North & South Carolina Financial Advisors

Fill out the form and get your complimentary copy of the “4 Misconceptions About Long-Term Care” download and speak to one of our financial advisors about your long-term care planning needs!
  • This field is for validation purposes and should be left unchanged.

Insurance Planning with North & South Carolina Financial Advisors

Fill out the form and get your complimentary copy of the “4 Misconceptions About Long-Term Care” download and speak to one of our financial advisors about your long-term care planning needs!
  • This field is for validation purposes and should be left unchanged.