Long Term Health Care Insurance Secrets

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.

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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.

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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. 

Yes, I want the Guide & Bonus Products

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 

Yes, I want the Guide & Bonus Products

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.

Yes, I want the Guide & Bonus Products

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.

Yes, I want the Guide & Bonus Products

>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.

Yes, I want the Guide & Bonus Products