My Life Insurance Options

Another great reality about Long Term Care options they everyone would benefit from who are making sure there is coverage in place for when a “life-changing” event happens health wise. Let me know your thoughts.

❌ Assumption: "I’ll never need long-term care."

✅ Reality: Over 70% of people age 65+ will need some form of long-term care in their lifetime. And 1 in 5 will require care for five years or longer.

Common Long-Term Care Myths That Can Cost You:

❌ “Medicare will cover my long-term care.”

➡️ Truth: Medicare only covers short-term skilled nursing care for up to 100 days after a qualifying hospital stay—and only if you meet specific conditions. It does NOT cover ongoing custodial care, assisted living, or long-term nursing home stays.

❌ “I’ll use my savings or rely on my family.”

➡️ Truth: Care costs can drain your assets fast, and caregiving can be emotionally, physically, and financially overwhelming for loved ones.

❌ “I’ll think about it later.”

➡️ Truth: Waiting too long can mean higher costs, fewer coverage options, or no options at all.

The Solution? A Plan That Works for You ✅

A long-term care strategy helps protect your savings, give you more choices, and ensure your family isn’t left making tough decisions alone.

💡 Did you know? Some life insurance policies include Long-Term Care riders, allowing you to access benefits while you’re still alive—helping you cover care costs without draining your retirement savings.

A plan today means peace of mind tomorrow. Let’s talk about your options before it’s too late.

To learn more, schedule your free appointment today! 🔑 www.krs.insure

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Sandy's Story | Genworth Long Term Care Hear Sandy’s story about her experience with Genworth and long term care insurance.Learn more about long term care insurance on our website at https://www.ge...