Trusted Insurance
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- Long-term care (LTC) policy
A long-term care policy is an insurance plan that helps cover the costs of care needed over an extended period due to chronic illness, disability, or cognitive impairment. It provides financial assistance for services such as in-home care, assisted living, and nursing home care, which are not usually covered by regular health insurance or Medicare. The policy typically includes specific benefits, coverage limits, and conditions that must be met for it to pay out, helping individuals manage the potentially high expenses of long-term care.
- Final expense policy
Final expense insurance is a type of life insurance designed to cover the costs associated with a person’s funeral and burial, as well as other end-of-life expenses like medical bills or outstanding debts. It typically offers a smaller death benefit compared to traditional life insurance, making it more affordable and easier to obtain, even for older adults or those with health issues. The goal is to relieve the financial burden on loved ones by ensuring that these final expenses are taken care of.
