80% of care is out of the nursing home.

20% over 50 at risk of needing long-term care within the next 12 months.

40% of 13 million Americans currently receiving long-term care are between 18 and 64.

Over 50% of US population will require some type of long-term care during their lives.

At 65, there is a 72% chance of formal home health care at some point in life.

One year in a nursing home averages $65,000.

Psychological benefits of owning long-term care insurance:

• 98% - It makes me feel more secure about my future.

• 97% - It makes me feel that I have planned well for the future.

• 79% - It makes my children feel good about my retirement planning.

• 96% - It makes my spouse feel more secure about our future.

Long-Term Care Insurance helps:

• Maintain independence

• Control quality of care

• Peace of mind for the future

• Protect and preserve assets

Risks of waiting to purchase long-term care insurance

• Health – it can change unexpectedly

• Age – premium is age related

• Inflation – larger benefit purchase required