Top Independent Long Term Care Planning Advisor

  Sandy Essex Talks About Long Term Care On The Financial Physician.       Sandy Essex is a long-term care planning advisor representing the top long-term care providers. Her area of focus and expertise is long-term care insurance planning. In addition to representing traditional LTC coverage options, she also represents “hybrid” solutions that include a death […]

  Live on The Financial Physician.       Sandy Essex is a long-term care planning advisor representing the top long-term care providers. Her area of focus and expertise is long-term care insurance planning. In addition to representing traditional LTC coverage options, she also represents “hybrid” solutions that include a death benefit and various life insurance options. […]

    IF YOU DON’T OWN A POLICY, EMAIL or CALL ME SO WE CAN DISCUSS. IF YOU OWN A POLICY, The best gift you can do is to PASS THIS ALONG TO THE PEOPLE YOU CARE ABOUT WHO HAVE NO PROTECTION TO INFORM THEM ABOUT  POTENTIALLY GETTING COVERAGE.   Sandy Essex, CLTC Long Term […]

        What Long Term Care Insurance does: Help protect your finances from assisted care expenses. Thanks to advances in medicine, retirees are living longer, more independent lives. As a result, someone turning age 65 today has almost a 70% chance of needing some type of long-term care*. Although many people assume Medicare […]

Nov Is Long Term Care Awareness Month     Without long-term care insurance, caring for Joe would have depleted our savings. Now I’m not afraid of running out of money.       My goal is to help you create a plan to mitigate those consequences and help you think through what plan is in […]

Life Fact: A quarter of those age 65+ say that their top financial concern is paying for long-term care expenses.     KEY POINTS Over 50% of adults over age 50 say they would rather die than live in a nursing home, according to a recent poll from Nationwide Retirement Institute. Seven out of 10 […]

  My goal is to help you create a plan to mitigate those consequences and help you think through what plan is in your best interest!   IF YOU DON’T OWN A POLICY, EMAIL or CALL ME SO WE CAN DISCUSS HOW YOU CAN STILL GET IN ON THE MAJOR SAVINGS. IF YOU OWN A […]

What is the Greatest Risk for Retired Seniors? October 1, 2019 | by Thomas Day     By far, the greatest risk for retired seniors, especially those who are advanced in age, is the need for long-term care services. U.S. Department of Health and Human Services projections estimate that 70 percent of Americans who reach […]