FOR IMMEDIATE RELEASE
Larry and Wanda Heinert, CLTC
ACSIA Partners LLC
Considering Long-Term Care Insurance? In a Time of Health Improvement, Some Policies May Not Fit Your Needs
"Get Advice from a Knowledgeable Agent," Says Larry Heinert
Papillion, NE June 25, 2021 -- Both Washington and the private-sector are targeting the diseases that plague seniors: cancer, Parkinson's disease, diabetes, Alzheimer’s disease, and more. R&D success could yield healthier seniors who need long-term care later in life and for different durations. "Today's insurance buyer needs to be prepared for this," says Larry Heinert, a NE-based agent with ACSIA Partners LLC, one of the nation’s largest long-term care insurance agencies.
The impact could be big: Significant better-health innovations may be just around the corner -- less than a decade or two away. For example, two pharmaceutical companies have already made notable progress toward Alzheimer's treatment. Between now and 2050 or 2060, when many of today's insurance buyers start claiming benefits, a lot of good things may happen, Heinert asserts. "For example, many forms of cognitive decline could be slowed or prevented."
CAVEAT: This may be an optimistic view. As we’ve all learned in the last 15 months, there’s no guarantee of healthier times, and a change in health can occur quickly in unforeseeable and unprecedented ways. "Maybe we'll need care sooner and longer," says Heinert. "So our care planning should be broad and based on personal judgement."
"In any case, all of us, at any age, can experience disabilities," says Heinert. "There will always be a need for LTC planning."
Avoiding two big mistakes: "It's a mistake to buy yesterday's LTC policy based on yesterday's health information," Heinert emphasizes. "But it's a bigger mistake to put off planning until it's too late to prepare properly."
The wise course of action, he emphasizes, is a third path. "Reach out to an independent advisor who knows the trends and offers multiple options," Heinert says. "I am one such advisor and there are many others. Just avoid 'captive' agents or advisors, who represent a single carrier or two and may be biased."
In addition to traditional long-term care insurance through multiple carriers, Heinert's agency offers these alternative solutions:
- "Hybrid" policies (typically life insurance with long-term care riders)
- Worksite long-term care (portable individual voluntary plans with group advantages)
- Annuities with tax-advantaged long-term care features
- Critical illness insurance
- Additional protections, including long-term care education and referrals to top care services
As a licensed long-term care insurance agent, Heinert advises on the full range of alternatives listed above.
"When people come to us," Heinert says, "whoever they are or whatever their situation, we like them to know that help is at hand, whether it’s an LTC policy or something else.”
Heinert may be reached at http://www.myltcfinancing.com or 402-339-8643. Short phone inquiries are welcome. A free long-term care guide may also be downloaded.
Heinert is a licensed long-term care insurance agent who represents the company in AZ, CO, IA, IL, KS, KY, MD, MO, MT, ND, NE, NJ, NV, OH, OK, PA, SC, SD, TN, TX, UT, VA, WY.
In California the company is known as xACSIA Partners Insurance Agency; in other states, as ACSIA Partners.
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I have discussed long term care policies with other agents, but Larry stood out from all others with his LTC industry knowledge, patience and thoroughness in making sure he answered my questions.… Read More