“Please dear whatever you do – don’t put me in a nursing home.” 

A mother’s exact words followed by, “I met a lovely gentleman who came to my house today and he sold me a policy that will pay for my needs at home or if I have to go to a nursing home.” This story comes to you from one of our associates and we thought it was worth sharing. This is a pure share coming from an associate who is the daughter in this story and has no interest in selling Long TermCare. What she is interested in providing is an awareness around planning, the unexpected and cost. 

Not more than two years after her mother purchased a policy, she found herself living her greatest fear. Unfortunately, she arrived at the emergency room and ultimately ended up having brain damage causing her to be put on life support. She sought medical attention the week before her emergency, however her concerns went undiagnosed, otherwise she might be with us today. Against her daughter’s suggestion, she had purchased that Long-Term Care policy from that lovely gentlemen years earlier. Her daughter was astounded to find out that the policy more than covered the daily costs of her needs and ironically her mother passed just months before the policy ran its term.

This ended with a grateful child who took the time and energy to write a thoughtful letter to an insurance carrier that fulfilled its commitment to the policy holder and spared the family the financial anguish that so many face during end of life situations.