Long Term Care policies offer protection, require careful analysis

 Because long term care policies vary wildly, they present challenges to responsible consumers seeking to invest in them. We offer the following tips to help clients figure out how and when to think about purchasing a policy. It is important to make this decision very carefully. Our insurance specialist Lyn has been working in the industry for more than 16 years. We suggest you make an appointment with her to discuss your long term care needs prior to making your final decision.

Annuities

Our insurance specialists have been reviewing and selling fixed and variable annuities for more than 30 years. They can provide sound advice that is also independent. We urge you to check with us prior to purchasing an annuity product. We will go over the fine print and help you understand all of the options available to you. 

Long Term Care

Experts estimate that by the year 2040, we will have over a million people in the United States over the age of 100. Owning a long term care policy can give you a sense of control over the way you spend your golden years. If you have specific questions regarding long term care policy, email Lyn. For a more detailed analysis, please call the office to schedule an appointment.

Life Insurance

Life insurance provides an immediate source of income to your beneficiaries, allowing them to pay off debts, make up for lost income and pay for your funeral costs and other related expenses. Additionally, some policies offer a cash value component, which can be used during your lifetime. Winch offers both the tools and the expertise to safeguard your estate and to protect your heirs.