Long Term Care Insurance...
Biggest Retirement Scam Ever Invented or Best Financial Decision You'll Ever Make?
For Immediate Release on Dear consumers and families everywhere, All across America the push is on for to convince people
to buy long term care insurance. Insurance companies are making a killing
selling these policies but should you trust those glossy brochures with the
happy smiling people on the cover? Long term care insurance - if it
makes sense - will be the best decision you ever make or the biggest
financial disaster of your lifetime. Before you even
consider the idea of long term care insurance you need to know what I know as an
ex-agent and insider of insurance companies. But first let's take a
look down the aging highway. Do you know ... Taken together, all of the above is a clear sign that a long
term care financial tsunami is headed toward everyone. The above also warns that Medicaid - which is medical
welfare for the poor and bankrupt - will be one of
the largest funding sources. This means that more and more people will be liquidating
retirement dollars and lifestyle choices because of health care
costs. And if that's not bad enough policymakers are going to be
rethinking their role in all this. Either you face the truth that
the cost of long term
care is a financial threat that can paralyze you and wipe you and your
family off the map or
you put your head in the sand and hope it will happen to the other
guy. Put simply, these are your choices... #1. Do nothing and pray that just because 7 out of 10
couples have a long-term care need it won't happen to you and your spouse, #2. Roll the dice and if a long term care need comes
start writing the checks ... by the way these always start in the thousands of
dollars, #3. Consider long term care insurance but be very smart about how you transfer your risk by
learning the inside secrets to long term care insurance. If you picked #1 or #2 then you need to immediately
visit the church for your prays or go to the casino for your dice! If you
said #3 then keep reading... As an ex-agent and former specialist in long term care
insurance I not only know how insurance companies work but I know how long term
care insurance works in particular. I discovered the dirty little secrets and
tricks companies use that can keep people from their benefits. 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. After reading "Insider's Secrets" and watching the
videos...
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 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.
When I was an agent in the field I did nothing but
specialize in long term 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.
Many financial planners like to call long term care
insurance wealth insurance. Well, long term 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 ...
"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 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. 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... 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. 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 $49.97
Yes, I want the Guide & Bonus Products
What? Just $49.97 - I think I should hit
myself in the head for 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 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? 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 care insurance. PPS - As you stand at this
crossroads - to order or not to order - remember this. Oh and don't forget you're
protected by a no questions asked guarantee for 60 days.
I urge you to read this entire letter and revealing
report.
In a word - No.
As an ex-agent I learned firsthand
how insurance companies really work and what you need to do to make sure you're
not the bulls-eye. Insurance companies are hoping you never learn
anything. They want you to be the big red, dumb target so they can throw
their darts at you. Stop being a sucker and turn the tables on them. After
you've read my guide and watched my revealing videos you'll be the one in
charge, not the insurance company and not the agent.
As an ex-agent turned
consumer advocate I want to hand over the "golden keys" long term care insurance
companies carry around. I want to reveal to you ...
For the first time ever you will know and
understand the hidden loopholes insurance companies pay lawyers to
create.
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.
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.
companies definitely don't want you
to know. Once you discover these secrets you will absolutely know...
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 qualify for long term 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 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 care insurance makes sense for you and
your family. (p. 78) 
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.
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.
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.
With warmest regards,
Lisa, the
Insurance Traitor Crusader
PS
- Don't wait another moment to learn the
inside secrets of long term care insurance. Uncover what agents won't tell
you and companies hope you'll never find out. Discover if long term care insurance is the biggest
retirement scam ever invented or the best financial investment you'll ever
make.
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.
