Negotiating for Your Long Term Care Insurance Premium


Merian Eksteen

If you followed the 3 in 4 Need More campaign for long term care (LTC), you would ve learned something from elder care specialist, Dr. Marion Somers, who said long term care insurance premiums are actually what people negotiate for. So it s time to drop the idea that long term care insurance (LTCI) is only for the wealthy.

By studying the nature of LTCI you will you realize that this type of product is not for the rich because anyone earning more than half a million a year can naturally afford to cover his LTC expenses. LTCI policies are designed for middle-class Americans who could experience financial difficulties someday when they begin to require care. Many average families, however, are hesitant to inquire about a potential policy because they might be influenced into buying even though they are not sure that they can maintain the product s annual premium.

Every year, the number of uninsured individuals goes up and the reason behind this is not because no one cares about his future health care anymore. Everybody actually does care but ongoing reports of increasing LTCI premium rates make them feel hopeless. Some of these uninsured folks are thinking of turning to Medicaid for help while others say they still have their families to support them. Unfortunately, Medicaid only provides limited coverage while one s family has only so much to give before their nest egg dries up.


Anyone is capable of getting the best LTC someday if he starts planning for it today via LTCI. Contacting a licensed LTCI agent who is well-versed in the LTC industry is a good idea as he can show the ropes.

Keeping Long Term Care Insurance Premiums Affordable

LTCI specialists have a common advice to the public and this is to purchase their LTCI policies at an early age. These professionals are aware that most people are postponing their policies thinking that this will spare them from years of expensive premium. Unfortunately, applying for a policy 10 years before actually requiring care will cost more as insurance companies will naturally increase the premium of those individuals who are at risk of immediate care.

Insurance companies allow younger applicants more leeway to negotiate for a lower premium rate because these firms are much aware that they won t be dealing with benefit claims anytime soon. However, it s not enough to secure a cheap policy without giving any attention to what is stipulated on it. It is always best to seek guidance from an LTCI specialist given the fact that a wide range of policies with unique features are being sold in the market. A person who has never had any experience in the LTCI industry would definitely need orientation from an expert.

Policy buyers should learn how to compute their maximum benefit amount, maximum benefit period, as well as how to determine their elimination period and inflation protection rate among others, as all these things will affect their coverage and its annual premium.

There continues to be issues on long term care insurance premiums but these should not affect people, not to mention discourage them from planning their future. If they allow negative reports or rather hearsays get into their system they could end up facing a financial disaster.

Merian Eksteen is a writer specializing in personal finance. You may visit

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Most people mistakenly believe that purchasing insurance through an insurance agent is more expensive than purchasing it directly from an insurer and this can be a major oversight. Insurance agents do not cost more; they can help you find insurance discounts!Insurance specialists know what insurance package to write your policy under. This skill can prove to be very important when it comes to insurance discounts. A surprising amount of insurance seekers do not know that indemnity companies base their rates based on varied factors. The same person can find a relatively low rate with one company and a relatively high price with a different company just based on the differing items each take into consideration. Knowledgable insurance agents can tell what company would provide the best rates for each consumer and save you the inconvenience of comparing rates.Insurance Professionals can guide you about how to lower rates. By having intricate knowledge of how the insurance ratings work, an agent can inform you what choices you have for saving money, like taking a safe driving class. They can also advise about raising or lowering coverage to lower prices. Insurance brokers know how valuable low premiums are to their customers, and they are always willing to help you save money. Brokers will become aware of price affecting changes as they become available and will notify you accordingly. A majority of brokerages, for instance, will check competing rates for their clients every renewal. That way if another company is able to reduce your premium, they will let you know about it at once. This is the sort of experience that will only be known by a local broker familiar with the insurance marketplace in your area.In my opinion the greatest feature provided by a local licensed agent is the knowledge they offer to be sure you are not inappropriately covered. Having appropriate coverage can keep you out of the poor house. It could be the most important choice your family will ever make.

By Howard Schwartz

The day care industry is expanding. There are now more than 100,000 licensed child-care centers and 250,000 licensed family day care homes across the United States.

The market for day care increases every year as the working mother in society increasingly return to work to contribute financially to the ongoing household expenses. Day care centers have now proven to be a lucrative niche for owner operators, especially those who have purchased franchises. The day care industry is expanding. There are now more than 100,000 licensed child-care centers and 250,000 licensed family day care homes across the United States.


An overall increase in professionalism has helped to enhance the reputation of the child care and day care field. Only 20-30 years ago, child care was a cottage industry operating out of remodeled houses, granny flats or small business shop fronts. Early centers were essentially baby-sitting facilities. Today’s day care centers, frequently part of regional or national chains, are larger and more professionally run. Because parents want their children to get educational services, many centers require that their caregivers have early childhood education degrees. The day care industry is regulated by state law, and sometimes also by county or city, and the regulations vary widely by state.

The day-care center industry has changed a lot over the past 15 years, and industry professionals are predicting that it will change even more by the year 2010. Family-run day care centers seem to be holding their own because they are especially popular for infants and younger toddlers whose parents are looking for the family style influence. However, the smaller commercial centers are disappearing, due to difficulties in meeting increased government regulation, and buyouts by regional or national chains. The regional and national daycare chains will no doubt continue to grow.

Learn more about the daycare industry:

About the Author: Howard Schwartz is a partner in several business strategy groups, including HJ Ventures International, Inc. Howard has worked with hundreds of entrepreneurs worldwide with a focus on writing business plans for companies interested in raising capital from Venture Funds and Angel Investors.Howard’s business plans have secured several million dollars in funding.


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By Jim Bassett

Being insured and secure at all times is something that everyone should strive to do. There are certain times that you get involved in accident and it comes in the most unexpected time. It is practical to check cheap liability insurance in Texas to have covered in case of an accident. Do not take this for granted and always be ready and stay protected at all times.

There are several things that you should do before you buy such thing. You should check and compare it carefully to know whether you are getting the right kind of policy. Since it can vary from one to another, you need to take your time in determining which one is actually right for your needs. Getting the best value for your money is as important and this is the reason that you need to take certain consideration before making a purchase.

Each state has different laws when it comes to liability insurances. The state of Texas varies from the other states. That is why you need to check carefully the requirements and what you need to get to ensure that you are covered properly. This is very important before you make a purchase.


Finding a provider of such thing is perhaps the initial thing that you should do. Choosing one that is reliable and reputable is very important. Check the internet for providers that can give you what you need. It can surely provide you with so many choices. Do not forget to compare several of them so you will have better idea.

The prices are also another factor that you need to consider. It does actually vary from provider to another. That is why you need to check all possible options and weigh them carefully. This is to make sure that you get what is suitable for you. Sometimes getting more coverage is the best option especially if you are driving an old model vehicle.

Getting the best coverage out there should be your goal. You need to determine whether a specific policy practical or not. With careful considerations and evaluations you will surely find the right one. It is essential that know what you will be getting even before you are going to purchase it.

So shop around for your options and do not stop until you find what you are looking for. Shopping around is the best way for you to locate a reliable provider and the right policy plan. You can ask your friends, neighbors, office mates, and relatives if they know of a company that is offering low rate insurances. This is one way for you to find a provider more conveniently and faster.

There are several companies and providers that are offering cheap liability insurance in Texas. You definitely should make use of all your available sources if you want to find the best provider. Follow the tips that were being provided and compare each provider carefully. Do not just stick to one option and instead explore all options that you have.

About the Author: You can get tips on how to find

cheap liability insurance in Texas

and details about the factors to consider when looking for auto

insurance for teens

, now.


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By Simon Volkov

Heir advance can refer to two different methods of receiving cash through inheritance. The first method involves transferring property rights to a funding source in exchange for lump sum cash. This type of cash advance is not a loan and heirs are not responsible for repayment of advanced funds.

The second heir advance method involves receiving annuity payments through an irrevocable life insurance trust. Decedents establish estate planning protocol that gifts payments to heirs over several years or as a one-time lump sum payment. Heirs can sell future annuities in whole or part to a funding source. This type of transaction often requires court authorization.

Funding sources are usually private investors, but some cash advancing companies and lending institutions engage in this type of funding as well. Locating a source usually involves considerable research as this is a specialized niche.

Those who engage in this practice often require heirs to be entitled to assets valued at $5,000 or more. Heirs assign property rights to the funding source, but this does not guarantee the cash advance provider will receive the property.

Since funding sources are at risk for not receiving inheritance property used as collateral they assess fees for providing advanced funds. Fees usually range between 25- and 40-percent of the assets’ appraised value. When possible, heirs should comparison shop to obtain the best probate loan rate.


Distribution of inheritance property does not occur until estates undergo the entire probate process. It is not uncommon for assets to be suspended in probate for several months. In cases where heirs contest decedents’ last will or when third party claims are filed against the estate, probate can extend for years.

If decedents die without leaving a Will the probate process requires additional time. Courts must confirm an estate administrator to manage estate settlement proceedings. Rightful heirs must be identified to ensure appropriate distribution of assets according to state probate laws.

Estates without a valid Will are referred to intestate estates. Although probate law varies by state, inheritance property is most often distributed to the surviving spouse and direct lineage relatives such as siblings, parents, and children. Heirs entitled in intestate inheritance gifts often find it challenging to locate a funding source.

If the estate is comprised of real estate secured by a mortgage note the estate is required to remit installment payments to prevent foreclosure. The estate is also financially responsible for keeping homeowner’s insurance premiums and property taxes current. When estates do not have sufficient funds the court can order the property sold.

When decedents owe outstanding debts, but do not have sufficient funds to pay, the court can order property sold. This can be problematic if assets were used to secure an heir advance. Due to associated risks, funding sources require heirs to undergo an application process.

Cash advance applicants should be prepared to provide a copy of the decedent’s Will and death certificate; estate administrator or probate attorney contact information; and a current copy of their personal credit report.

Funding sources review credit reports to determine if applicants have pending bankruptcy petitions; child support or spousal alimony obligations; or outstanding liens or judgments. These obligations can interfere with property transfers when probate settles and often prevent heirs from obtaining cash advances.

Once inheritance advances are approved, funds are provided within 1 to 3 weeks. Cash advance recipients are not responsible for repayment of advanced funds should the estate be unable to transfer probate property upon estate settlement.

Funding sources are prohibited from pursuing the estate or heirs for restitution unless it can be proven that heirs provided untruthful information to obtain the heir advance.

About the Author: Simon Volkov is a private investor and probate liquidator who provides heir advance funding to qualified recipients. He specializes in buying probate real estate in SoCal, Nevada, Arizona, and Washington. Learn more about the process involved for obtaining inheritance funding at


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byAlma Abell

Being ill is no guarantee that a person will receive social security disability. The Social Security Administration (SSA) has many eligibility guidelines and requirements. Applicants may be eligible for either Supplemental Security Income (SSI) or Social Security Disability Insurance. (SSDI) SSI is for people who are disabled, have little work history and limited income. SSDI applicants have a work history with employers who paid social security taxes.


There are several reasons that someone may be denied. For example, the agency cannot find you. The application process takes several months, and many people move during that time. If the agency loses contact with an applicant, the claim may be denied. Clients at Nash Disability Law won’t have this problem, because the agency communicates with the lawyer. Medical records are vital to proving disability. If an applicant refuses to grant the agency access to records, their claim will also be denied.

Many times, the agency requires applicants to visit a particular doctor, and benefits are denied for someone who refuses. The agency will not approve disabilities based on drug addiction or alcoholism. The agency assumes that applicants would not be disabled if they stopped drinking or using drugs. In addition, applicants disabled during the commission of a felony are not awarded benefits. Disability applications are complicated and that is why people need lawyers. Benefits should be available when people can’t work and need financial resources.

byAlma Abell

If you own a vehicle, it is essential that you have car insurance to protect you, your passengers and other drivers in the event of an accident or any other type of damage. With the many options available for car insurance, it can be exhausting trying to figure everything out. While it can be overwhelming, it is important to take the time and do the research required in order to find the most coverage for the best price. Use the following tips for choosing car insurance in Austin TX to find the right policy that gives you good coverage and the most value for your money.

Investigate your coverage options


When you are looking for the right insurance policy it is essential to explore your options by asking each company you have in mind about their range of products and services. Along with basic insurance coverage, look for additional offers such as free wrecking, windshield repair, roadside assistance and rental car reimbursement, which all offer you better value for your money.

Find out the process for filing and settling claims

If you ever get involved in an accident, you want to make sure that the claims process through your insurance company is as smooth and stress free as possible. Take the time to find out about how the process works and how your chosen company typically handles these situations. This is a very important factor that can encourage you to take out a new policy or present a red flag that makes you continue your search elsewhere.

Look for great customer service

After you request insurance quotes from several different companies you begin to realize that the thing that sets them apart from each other the most is the level of customer service they offer. Apart from researching to find the best coverage for the most affordable price, it is key to do business with an insurance company that has a professional and helpful staff that always ensures your satisfaction with each transaction.

Use these tips to help you choose the best car insurance options for your needs. If you need help for finding the best auto insurance policy for your vehicle, lifestyle and budget, contact Patrick Court from State Farm today for more information and a free quote.


Life is full of unexpected events that may sometimes be a huge financial burden to people and their loved ones. Having insurance is important. It helps give people security and piece of mind. Auto insurance is vital to have while driving. It’s even legally required to some degree in the United States. Auto insurance can help in cases of an damage, theft, and injury. There are great Auto Insurance Birdsboro PA services that will help in case of unexpected events.


Being in an accident can be a traumatizing event. Adding the costs of auto repair into the equation just adds to the stress. Even the smallest of “fender benders” can benefit from Auto Insurance Birdsboro PA services. Usually, the party at fault’s insurance will pay for damage on both vehicles. For those at fault people, or if the accident just involved one car, those damages can cost thousands to fix. Insurance will help reduce the amount needed to pay out of pocket, if not covered completely.

While unfortunate, theft is quite common. Cars get broken into and stolen all of the time. Cars can get broken into, leaving valuables in the car to get stolen and damage to occur to the car, or they are just stolen outright. In these cases, a Auto Insurance Birdsboro PA will help to replace stolen goods or replace the car, depending on the situation. Often times insurance companies will also cover rental car costs so that the car owner doesn’t have to waste any time.

Bodily injury during an accident can lead to thousands of dollars in medical bills. Unfortunately, it’s something that comes with an accident. At fault drivers would have to pay the medical bills. Having insurance protects both the driver and anyone in the car as well. After an accident, those injured should focus on recuperating, but are left to face the process of figuring out how to pay for medical care. With auto insurance, it’s all taken care of, no matter whose fault it is.

All in all, auto insurance is very important. It can save thousands of dollars and a lot of headache. It gives drivers security that they are covered in case of accidents, theft, and injury. All it takes is a bit of research to find the best Auto Insurance Birdsboro PA has to offer.