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 We all tend to take our health for granted. Everyone tends to be in good health until they go to the doctor and find out something is wrong. Accidents can happen to anyone at anytime leaving you completely and permanently disabled. Ask anyone you know who found out they had cancer or had a stroke how they felt the day before it happened. Chances are they felt perfectly fine and didn't thing there was a thing wrong with them. Things can change in a blink of an eye. Ask yourself how you would feel if you had a change in your health that made it impossible to get Long Term Care Insurance regardless of any premium you would be willing to pay?
Your health does not have to be perfect to purchase long term care insurance; however, there are certain health conditions and combinations of health conditions that can cause you to be uninsurable.
Sample of Uninsurable Conditions: Alzheimer's Disease, Parkinson's, Multiple Sclerosis, Dementia, Stroke, Cirrhosis of the Liver, Congestive Heart Failure, Diabetes with complications, AIDS, current limitations with activities of daily living, use of walker, wheelchair or quad cane, Muscular Dystrophy, oxygen use, severe arthritis limiting activities.
The younger you are the better chance you have of being eligible for long-term care insurance. Applying at a younger age in good health may even qualify you for a health discount. Conditions such as depression, joint replacement surgery, high blood pressure medicine, diabetes medicine, arthritis and smoking can keep you from being eligible for a health discount. It is important to consider long term care insurance at the youngest age you can afford to put it in place. What we find at AM Warner Insurance is that your health does not typically get better as you age. Many of our younger clients feel that their health could change at any time and that is why they considered long term care insurance.
Do you want to know if you qualify for Long Term Care Insurance right now? and we will call you to discuss your health.
Get a sense of security now about your financial future, with the help of AM Warner Insurance, your Long Term Care Insurance Specialist!
to arrange for an in-home or office consultation with Allison Warner, President of AM Warner Insurance to start the application process.
Nationwide Referrals
AM Warner Insurance is licensed to provide insurance products in Kentucky and Indiana. If you are outside this area, a referral to an agent in your area is available; all you need to do is , and we'll have someone contact you right away. We provide referrals nationwide! |
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