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* Long Term Health Care Insurance Secrets and Consumer Guide
LONG TERM HEALTH CARE INSURANCE SECRETS
EX-AGENT REVEALS WHAT COMPANIES HEIGHT: 8500px">
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READ THE LEAKED CHAPTERS
LONG TERM HEALTH CARE INSURANCE...
BIGGEST RETIREMENT SCAM EVER INVENTED OR BEST FINANCIAL DECISION
YOU'LL EVER MAKE?
For Immediate Release on
DEAR CONSUMERS AND FAMILIES EVERYWHERE,
I urge you to read this entire letter and revealing report. As an
ex-agent and former insurance insider I know a lot about LONG TERM
HEALTH CARE INSURANCE
All across America the push is on for to convince people to buy long
term health 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 health care insurance - if it makes sense - will be the
best decision you ever make or the biggest financial disaster of your
lifetime. Before you even consider the idea of long term health care
insurance you need to know what I know as an ex-agent and former
insider of long term care insurance companies. But first let's take a
look down the aging highway. Do you know ...
* 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
* It's estimated that 10 million baby boomers will have Alzheimer's
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 SIGN THAT A LONG TERM
CARE FINANCIAL TSUNAMI IS HEADED TOWARD EVERYONE.
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 will be liquidating retirement
dollars and lifestyle choices because of health care costs. And if
that's 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 THREAT THAT CAN PARALYZE YOU AND WIPE YOU AND YOUR FAMILY
OFF THE MAP _OR_ YOU PUT YOUR HEAD IN THE SAND AND HOPE IT WILL HAPPEN
TO THE OTHER GUY.
Put simply, these are your choices...
#1. _Do nothing_ and pray that just because 7 out of 10 couples have
a long-term care need it won't 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 HEALTH CARE INSURANCE BUT BE VERY SMART ABOUT
HOW YOU TRANSFER YOUR RISK BY LEARNING THE INSIDE SECRETS TO LONG TERM
HEALTH 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 that can keep people from their
benefits.
As an ex-agent I learned firsthand how insurance companies really work
and what you need to do to make sure you're 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.
Stop being a sucker and turn the tables on them. After you've read my
guide and watched my revealing videos you'll be the one in charge, not
the insurance company and not the agent.
_As an ex-agent turned consumer advocate I want to hand over the
"golden keys" insurance companies carry around. I want to reveal to
you ...
* THE SECRET LANGUAGE LONG TERM HEALTH 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.
FOR THE FIRST TIME EVER YOU WILL KNOW AND UNDERSTAND THE HIDDEN
LOOPHOLES INSURANCE COMPANIES PAY LAWYERS TO CREATE.
Now, please understand, insurance companies aren't necessarily bad,
they're just smart. Once your read "Insiders Secrets" and watch the
accompanying videos _YOU'LL BE AS SMART AS THEM_.
()
After reading "Insider's Secrets" and watching the videos...
* It'll be as easy as 1-2-3- to see through any hidden secrets or
loopholes
* You'll know in a snap if you should even have long term health care
insurance, and
* YOU'LL HAVE INSIDE KNOWLEDGE THAT PUTS YOU IN A POSITION OF
AUTHORITY.
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 HEALTH 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 health care insurance. I had several companies in my bag and
learned the inside-out of every policy and offer. I also learned that
if you aren't careful the insurance company will stack the deck in
their favor. And they do this with hidden terms and loopholes that are
invisible to you. 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 POINT 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.
Now, I'll 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 got sick, may God
rest his soul, my mother filed a claim. The company paid, no questions
asked. But guess what? As 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 THAT'S WHAT I WANT TO TEACH YOU.
( ) In the easy to read "Insider Secrets to Long Term Care
Insurance: the Ultimate Consumer Buying Guide" you're going to learn
inside information that most agents won't tell you and insurance
companies definitely don't want you to know. Once you discover these
secrets you will absolutely know...
* If long term health 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 you're entitled to,
* HOW TO EASILY SPOT ANY LIMITATIONS TO A POLICY THAT INSURERS DON'T
WANT YOU TO FIND OUT ABOUT, AND
* IF THE AGENT YOU'RE TALKING TO KNOWS ANYTHING ABOUT LONG TERM
HEALTH CARE INSURANCE
Many financial planners like to call long term health care insurance
wealth insurance. Well, long term health care insurance might be
wealth insurance but if you don't understand how to tailor your plan
or even if you should have a plan then it's wealth insurance for the
insurance company not you or your family.
If you care about yourself, your family and your financial security
then you simply must read this guide. Once you do you're 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 IT'S CRACKED UP TO
BE OR JUST SOME \"SPECIAL SAUCE\" THE INSURANCE COMPANY IS MAKING
MILLIONS ON (P. 54)
LEARN IF YOU EVEN QUALIFY FOR LONG TERM HEALTH 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 HEALTH CARE INSURANCE WITHOUT ANY
OUT-OF-POCKET OR UP-FRONT EXPENSE TO YOU AND YOUR FAMILY, THIS ONE IS
SO OBVIOUS THAT YOU'LL 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)
REVEALED_ - 30 CRITICAL QUESTIONS THAT NO AGENT OR COMPANY WANTS
YOU TO HAVE THAT YOU MUST BE ASKING TO MAKE SURE YOU'RE NOT GETTING
RIPPED OFF IN MONEY OR BENEFITS (P. 70)
LEARN IF MEDICAID PLANNING IS AN OPTION FOR YOU OR JUST A
SUPER-SMART LAWYER WHO WANTS TO PULL MONEY FROM YOUR POCKET (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)
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 DON'T 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 HEALTH CARE INSURANCE MAKES SENSE FOR YOU AND
YOUR FAMILY. (P. 78)
"Insider Secrets" contains information that will put you in a
position of power and control. ONCE YOU READ THIS BOOK YOU'LL NEVER BE
A TARGET AGAIN. YOU'LL BE ABLE TO DETERMINE IF YOU SHOULD HAVE LONG
TERM HEALTH 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.
Check out the eBook right now (click on corners to turn the pages)
Along with the guide you'll gain access to "Insider's Secrets VIDEO
VAULT\". Inside the video vault you'll 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_
* PART V - _Looking Inside Out at the Policy Outlines_
Along with access to the video vault I'VE INCLUDED THREE SECRET
BONUSES that you'll 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 INFORMATION LIKE THIS
ANYWHERE and I really want you to have it. If I make it too expensive
then you won't want to buy it, but if I make it too inexpensive then
you'll probably think it isn't worth buying. This is what I've decided
to do. I've decided to offer you "Insider Secrets" at a special
introductory rate along with the bonuses.
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 you're getting and at more than $150 an
hour it would add up quickly.
The real value of this guide - considering the hours and hours of
work, the field training and endless travel to insurance company
meetings - is really in the thousands of dollars. The real value of
the videos which I produce in my office especially for you are worth
hundreds of dollars, as well. In fact, if my time were a factor I
would have to charge more than $1,000. I'm not kidding here. But of
course, you're not going to pay that and I wouldn't ask that. My goal
is to get the message out - the message that you are in danger.
YOU ARE IN DANGER BECAUSE YOU DON'T UNDERSTAND THE CONSEQUENCES OF
LIVING LONGER. YOU ARE IN DANGER BECAUSE YOU REFUSE TO ACCEPT THAT
LIVING LONGER MEANS SPENDING MONEY ON HEALTH CARE. YOU ARE IN DANGER
BECAUSE THIS RISK AND DENIAL COULD WIPE OUT YOU, YOUR FAMILY AND YOUR
LIFESTYLE IN NO SHORT ORDER. Don't forget that one out of eight baby
boomers is expected to have Alzheimer's and that every day people live
longer with chronic illness. I don't want you to be caught short. I
want to help, I really do. And that's why I am making you the offer of
a lifetime.
Take advantage of my offer - the incredible educational package; the
eBook, the videos, the bonuses and the hands-down no questions asked
guarantee. Order your solution right now for just $24.95
What? Just $24.95 - I think I should hit myself in the head for that!
No kidding. But I'll tell you the truth - I believe so strongly in
this information that I want you to easily have it. That's why your
investment is less than a nice dinner on the town for two.
WHEN I WORKED IN INSURANCE I MET TOO MANY PEOPLE WHO HAD A STORY. I
DON'T WANT YOU TO HAVE ONE OF THOSE STORIES. A story where suddenly
something happens that you thought never would and ever since you've
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 life's 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 decide right now to
learn the inside secrets that only an agent can reveal.
The cost of long term care can be in the tens or hundreds of
thousands of dollars; the cost of long term health care insurance is
in the many thousands of dollars but the cost of this guide is pennies
in comparison. Doesn't it make 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 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
and learn the inside secrets of long term health care insurance.
With warmest regards,
Lisa, the Insurance Traitor Crusader
PS - DON'T WAIT ANOTHER MOMENT to learn the inside secrets of long
term health care insurance. Uncover what agents won't tell you and
companies hope you'll never find out. DISCOVER IF LONG TERM HEALTH
CARE INSURANCE IS THE BIGGEST RETIREMENT SCAM EVER INVENTED OR THE
BEST FINANCIAL INVESTMENT YOU'LL EVER MAKE.
PPS - AS YOU STAND AT THIS CROSSROADS - TO ORDER OR NOT TO ORDER -
REMEMBER THIS.
You can choose to learn now what you don't know, decide today if you
really do need to do something to protect you and your family and then
rest assured knowing you made the right decision _OR_ you can ignore
everything I'm saying and run the risk of not really knowing and
possibly facing the devastating reality of paying for health care that
costs thousands and thousands of dollars a month which can strip you
financially. Hero or villain...you decide.
OH AND DON'T FORGET you're protected by a no questions asked
guarantee for 60 days.
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