*
* Long Term Care Insurance Secrets - Long Term Care Insurance
Secrets
-------------------------
Is Long Term Care Insurance
The Biggest Retirement Scam Ever Invented or
The Best Financial Investment Youll Ever Make?
(TO HEAR MY PERSONAL MESSAGE PLEASE CLICK ARROW)
From the desk of the _INSURANCE TRAITOR_ on ...
_DEAR SOON TO RETIRE AND ALREADY RETIRED CONSUMERS AND FAMILIES
EVERYWHERE_,
I urge you to read this entire letter, personal testimony and
shocking report.
All across America the push is on for baby boomers, pre-retirees
and retirees to buy long term care insurance. Insurance companies are
making a killing selling these policies but should you trust those
glossy brochures with the happy smiling people on the cover?
In a word - _No_. Long term care insurance - if it makes sense for
you and your family - could be the best decision you ever make or it
will be the biggest financial disaster of your lifetime. BEFORE YOU
EVEN CONSIDER THE IDEA OF LONG TERM CARE INSURANCE YOU NEED TO KNOW
WHAT I KNOW as an ex-agent and insider of insurance companies. But
first take a moment to survey the future and whats coming down the
aging highway. Do you know that ...
* The fastest growing segment of the population is over 85
* Every seven seconds another person in the U.S. turns 50
* There are almost 80 million baby boomers aging at the same time
* Its estimated that 10 million baby boomers will have Alzheimers
or some type of brain illness
* The L.A. Times, CNN and other news agencies report that the
"healthcare system is unprepared for the onslaught of aging boomers"
* The U.S. government estimates that spending on long-term care
services just for the elderly could reach as much as $379 billion in
the next 30-40 years
* Medicaid is expected to remain one of the largest funding sources
for long term care, straining both federal and state governments
* The General Accounting Office of the U.S. government reports that
"_a key question_ for policymakers will be to consider what options
exist for _rethinking_ the federal, state, and private _roles in
financing long-term care_
TAKEN TOGETHER, ALL OF THE ABOVE IS A CLEAR WARNING THAT THERE IS A
FINANCIAL TSUNAMI COMING AND ITS HEADED RIGHT FOR YOU AND YOUR FAMILY
AND ITS CALLED LONG TERM CARE AND THE COSTS ASSOCIATED WITH IT.
The above also warns that MEDICAID - which is medical welfare for
the poor and bankrupt - WILL BE ONE OF THE LARGEST FUNDING SOURCES.
This means that more and more people (ipso facto and quite possibly
Y-O-U) will be liquidating retirement dollars and lifestyle choices
because of health care costs. And if thats not bad enough policymakers
are going to be rethinking their role in all this.
EITHER YOU FACE THE TRUTH THAT THE _COST OF LONG TERM CARE_ IS A
FINANCIAL REALITY THAT CAN PARALYZE YOU AND WIPE YOU OFF THE MAP OR
YOU PUT OUR HEAD INTO THE SAND AND HOPE THAT IT WILL HAPPEN TO THE
OTHER GUY.
Like you, I too am a baby-boomer and these are some of the issues
that my family and I face right now. But unlike you I am an
ex-insurance agent and former long term care insurance specialist who
knows first hand the consequences of not planning for long term care
and exactly how to avoid the pitfalls and dangers of working with
insurance companies.
So, what are your choices?
#1. Do nothing and pray that just because 7 out of 10 couples have a
long-term care need it wont happen to you and your spouse,
#2. Roll the dice and if a long term care need comes start writing
the checks ... by the way these always start in the thousands of
dollars,
#3. Consider long term care insurance as a way to transfer the risk
but be very smart about how you transfer that risk by learning the
inside secrets to long term care insurance.
If you picked #1 or #2 then you need to immediately visit the church
for your prays or go to the casino for your dice! If you said #3 then
keep reading...
As an ex-agent and former specialist in long term care insurance I
not only know how insurance companies work but I know how long term
care insurance works in particular. I discovered the dirty little
secrets and tricks companies use to keep people from their benefits
and what insurance companies are really after.
In short _I discovered their bottom line_.
Can you guess what it is?
Money, thats right ... M-O-N-E-Y. Your money, your premium, your cold
hard cash. And once they get your money they want to keep it. Never
forget that insurance companies are in business and the bottom line of
any business is money, profits, cash.
Some would say they deny claims but THE REAL TRUTH IS THEY HAVE
HIDDEN LOOPHOLES, what I like to call the "golden keys", that let them
legally squeeze you and your family.
As an ex-agent turned insurance traitor and consumer advocate I want
to hand over the "golden_ keys" long term care insurance companies
carry around. I want to reveal to you ...
* THE SECRET LANGUAGE LONG TERM CARE INSURANCE COMPANIES USE TO
LIMIT OR KEEP YOU_ FROM ACCESSING YOUR BENEFITS,
* WHAT AGENTS DON'T TELL YOU AND WHAT COMPANIES HOPE YOU'LL NEVER
FIND OUT,
* HOW TO EASILY TURN THE TABLES SO YOUR INTERESTS ARE SERVED
BEFORE ANYONE ELSE'S.
As an ex-agent I know firsthand how insurance companies work and
what you need to do to make sure youre not the bulls-eye. Insurance
companies are hoping you never learn anything. They want you to be the
big red, dumb target so they can throw their darts at you. I hope
youll agree its about time the tables turned on them. Finally you can
be the one in charge, not the insurance company.
Let me repeat - insurance companies want your money. Once the company
has your money they do not want to give it back. The only way you can
get the insurance company to give you your money (by honoring your
claim) is to understand the hidden loopholes insurance companies pay
lawyers to create. As the saying goes "to be fore warned is to be fore
armed". And this is exactly why I wrote Insider Secrets to Long Term
Care Insurance: The Ultimate Consumer Buying Guide.
(Ordering Details Here [1])
Long term care insurance, if it makes sense for you and your family,
will be one of the most important purchases of your lifetime. If you
do it wrong it could also turn out to be one of the most expensive
mistakes you ever make. Imagining paying thousands of dollars in
premiums and then discovering you cant access your plan or the plan
isnt what you thought you had. And believe me, this happens everyday
to innocent people just like yourself.
In October 2007 the top-ranking Republican on the Senate Finance
Committee asked 11 long-term care insurance companies to explain
“troubling data” regarding how policyholders’ claims are handled
and paid. Unaware consumers - in a rush to quell the financial risk -
jump too fast at any company or any policy that says it will be there
for them. Believe me when I say that long term care insurance is the
most complicated insurance contract ever written. In fact, in some
states an agent needs additional training to even talk to consumers
about it.
Insurance companies are in business to make money - they are not a
charity organization. They make money by playing the odds and usually
the odds are in their favor. The way they stack those odds is by
keeping consumers in the dark, bribing agents with excessive
commissions and hiring squads of attorneys who do nothing but write
contracts that tilt the game toward the insurance company.
When I was an agent in the field I did nothing but specialize in
long term care insurance. I had several companies in my bag and
learned the inside-out of every policy and offer. I also learned that
if consumers arent careful the insurance company will stack the deck
in their favor. And they do this with hidden terms and loopholes that
are invisible to consumers. Remember, lawyers are paid handsomely to
craft these crafty contracts.
The truth is that while every policy is peppered with land mines you
can get from side A to point B with no trouble at all. The trick is
learning, uncovering and discovering the hidden loopholes and secret
terminology before you ever make a claim or invest a single dime in a
policy.
I hate to say it but you simply cannot trust an insurance company.
There is just too much money at stake. Its a sad commentary on
insurance companies and our world but I believe in my heart its a true
statement. In fact, I finally got so sickened by what insurance
companies do and how they induce agents that I could no longer stomach
the business.
Now, Ill be honest with you. I loved selling long term care insurance
and I was good at it. I also believe that it can be one of the best
investments you can make.
When my father, may God rest his soul, had to make a claim the
company paid no questions asked. But guess what? I was the agent who
wrote that policy. I was inside looking out. I knew what was good,
which companies would pay and how to design a plan. And thats what I
want to teach you.
(Ordering Details Here [2]) In the easy to read "Insider Secrets to
Long Term Care Insurance: the Ultimate Consumer Buying Guide" youre
going to discover inside information that most agents wont tell you
and insurance companies definitely dont want you to know. Once you
discover these secrets you will absolutely know...
* If long term care insurance is right for you, your family and
financial security,
* How to close the hidden loopholes so that you are guaranteed to
get every benefit youre entitled to,
* HOW TO EASILY SPOT ANY LIMITATIONS TO A POLICY THAT INSURERS
DONT WANT YOU TO FIND OUT ABOUT, AND
* IF THE AGENT YOURE TALKING TO KNOWS ANYTHING ABOUT LONG TERM CARE
INSURANCE
Many financial planners like to call LTCi wealth insurance. Well,
long term care insurance might be wealth insurance but if you dont get
your benefits or get something other than what youre expecting its
wealth insurance for the insurance company not you (or your spouse).
If you care about yourself, your family and your future financial
security then you simply must read this guide. And once you do youre
going to ...
* Uncover the trap doors in meeting the deductible and learn why
insurance companies want to keep you in the dark about this (p. 61)
* Discover the pitfalls and truth of home care. If you think the
insurance company is sending someone in to make you a grilled cheese
sandwich, think again. Learn if home care is what its cracked up to be
or just some "special sauce" the insurance company is making millions
on (p. 54)
* Learn if you qualify for long term care insurance and what any
health condition you might have is going to cost you or your spouse
(p. 26)
* Know how to fund long term care insurance without any
out-of-pocket or up-front expense to you and your family, this one is
so obvious that youll kick yourself for not thinking of it sooner (p.
50)
* Learn what agents never tell you about the "waiver of premium" and
why this one bit of information alone could cost you thousands of
dollars (p. 61)
* Get 30 critical questions that no agent or company wants you to
have that you must be asking to make sure youre not getting ripped off
in money or benefits (p. 70)
* Learn if Medicaid planning is an option for you or just some
super-smart lawyers who want to pull money from your pockets (p. 22)
* Understand how the "bag o money" works so you can work it to your
advantage (p. 29)
* Review and in-depth directory of long term care costs broken down
by services in cities, states and regions (p. 86)
* Uncover simple questions you can ask that will instantly identify
which companies are most likely to raise their rates. This one piece
of information can mean the difference between a stable policy or rate
increases every few years ... again, thousands of dollars you keep or
thousands of dollars you lose! (p. 39)
* LEARN ABOUT UNEARNED PREMIUM AND WHY WHAT YOU DONT KNOW ABOUT THIS
COULD POTENTIALLY COST YOU THOUSANDS OF DOLLARS. (P. 59)
* GET A WORKSHEET TO CALCULATE YOUR EXPOSURE AND RISK SO YOU CAN
DETERMINE IF LONG TERM CARE INSURANCE MAKES SENSE FOR YOU AND YOUR
FAMILY. (P. 78)
(Ordering Details Here [3])
"Insider Secrets" contains information that will put you in a
position of power and control. Once you read this book youll never be
a target again. Youll be able to determine if you should have long
term care insurance and if yes exactly how to design a plan. You will
never be at the mercy of and agent or company again. You will have
turned the tables on them. You will be in charge.
ALONG WITH THE GUIDE YOULL GAIN ACCESS TO "INSIDERS SECRETS VIDEO
VAULT". Inside the video vault youll receive an in-depth overview and
review of...
* Critical Questions Part I - Overview and Introduction
* Critical Questions Part II - The Special Sauce
* Critical Question Part III - Clues to the Contract
* Part IV - Hidden Secrets behind Contract Language
Along with access to the video vault Ive included _three secret
bonuses that youll also receive_. Each one of these secret bonuses
contain critical information that you simply must have and implement
immediately.
By now you might be wondering "how much is this going to cost me?" I
can assure you much less than you might imagine.
Information like this simply cannot be extracted from free guides or
insurance company brochures. THERE IS NO BOOK LIKE THIS ANYWHERE and I
really want you to have it. If I make it too expensive then you wont
want to buy it, but if I make it too inexpensive then youll probably
think it isnt worth buying. This is what Ive decided to do. Ive
decided to offer you "Insider Secrets" at a special introductory rate
along with the bonuses. When you order "Insider Secrets [4] youll
have immediate access to the information, all three bonuses and my
personal 100% iron-clad money back guarantee. If at any time you want
your money back Ill simply send it to you. And I do mean anytime. If
you decide you want your money back Ill happily give it to you no
questions asked.
When you order today [5] youre going to receive this incredible
package...
"INSIDERS SECRETS TO LONG TERM CARE INSURANCE; THE ULTIMATE CONSUMER
BUYING GUIDE". UNCOVER THE TRUTH ABOUT LONG TERM CARE, LONG TERM CARE
RISKS TO YOUR RETIREMENT AND HIDDEN SECRETS OF LONG TERM CARE
INSURANCE.
ACCESS TO THE VIDEO VAULT WHERE YOURE HAVE ACCESS TO IN-DEPTH
ANALYSIS AND REVIEWS. YOU WILL LEARN DIRECTLY FROM ME - AN EX-AGENT
AND LONG TERM CARE INSURANCE SPECIALIST - LITTLE KNOWN TRICKS AND TIPS
THAT AGENTS WONT SHARE WITH YOU AND COMPANIES HOPE YOU WILL NEVER FIND
OUT.
THREE SECRET BONUSES THAT WILL HELP YOU IN EVERY FACET OF YOUR
FINANCIAL LIFE.
Yes, I want the Guide & Bonus Products [6]
As an ex-agent I know how valuable this information will be to you
and your family. If I wanted I could just as easily charge a
consulting fee for everything youre getting and at more than $100 an
hour it would add up quickly. Instead you can have all this for just
$39.97 [7].
What? Just $39.97 - I think I should hit myself in the head for
that! No kidding. But Ill tell you the truth, something that most
people dont do these days. I believe so strongly in this information
that I want you to easily have it.
WHEN I WORKED IN INSURANCE I MET TOO MANY PEOPLE WHO HAD A STORY. I
dont want you to have the same kind. One where suddenly something
happened that you thought never would and ever since youve been left
to liquidating your savings and calling on the help of friends and
family. The most important asset you have is your health and the
greatest risk to your lifes work is the cost of health
care...especially long term care costs. With 1-out-of-7 couples having
a long term care need in their lifetime (including my own parents) the
odds are not in your favor. Rather than speculate make a decision to
invest less than dinner on the town for two [8] and learn the inside
secrets that only an agent can reveal.
Yes, I want the Guide the cost of long term care insurance is in
the many thousands of dollars but the cost of this guide is pennies in
comparison. I hope it makes sense to you to invest a fraction of that
potential cost to learn the real inside story so you can protect your
retirement income, lifestyle and family.
YOUR INVESTMENT IN THE GUIDE IS A MERE FRACTION OF WHAT YOU MIGHT BE
SPENDING YEAR-AFTER-YEAR WITH THE INSURANCE COMPANY.
Take advantage of my offer today - get your copy of "Insider Secrets"
right now [10] along with the three bonuses and my "no questions
asked" guarantee.
Stop being a target of the insurance agents and companies. Put
yourself in a position of power and control. Turn the tables on them!
With warmest regards,
Lisa, the Insurance Traitor
P.S. I want you to know that I can understand you not ordering this
guide but I hope youll reconsider. I only care about one thing and
thats you. I believe you are not only at risk for the most expensive
loss youll ever face in the form of a health risk but I dont trust
insurance companies and want you to be protected. As an insurance
traitor I work only for you and your best interests. With a guarantee
like Im offering why not go ahead and order your copy of the guide
[11], the videos and secret bonuses today. If its not everything I say
it is then simply let me know and Ill return every penny back to you.
You have nothing to lose and everything to gain.
Yes, I want the Guide ">
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