Roger Keller offers excellent expertise as a Licensed and Certified Long Term Care specialist. He has also served as a Power Of Attorney, handling all of his late in-laws’ Long Term Care needs.
Final Expense / Columbia Financial Group (Foresters Financial)
- Affordable Life Insurance up to $35,000 coverage, while Social Security only could offer you $250.00
- Both offer a guaranteed death benefit that never decreases
- Non-Cancelable Guaranteed
- Standard built-in additional benefits such as free legal/financial advice, scholarships, and more
- Columbia Financial offers as a rider the Children’s Term Rider, where you can add level term insurance for up to 20 children, grandchildren, or great-grandchildren. Rider stays In effect until each child’s age of 25 when it can be converted to permanent insurance, leaving a life insurance behind for them as you finance your Final Expense Insurance
- Accidental Death Benefits are optional with both companies
**Foresters membership benefits are not offered in New York.
Life Insurance Used For Long Term Care
- Can use 4% of your permanent life insurance each month for Long Term Care splitting coverage
- Level Premium
- Guaranteed Issue
- Can get $25,000 to $75,000 total pools without medical questions while any amounts up to $150,000 do require medical questions.
- Offers paid up option after 10 years with policy and pays for 50% of terminally ill coverage for 2 years with policy
- Additional memberships with Costco, UPS and other companies for only $4.29 per month
- Many states such as Washington and California have or will issue mandates to buy Long Term Care coverage through the states with other states to follow.
OmniFlex™ | Short-Term Care by Manhattan Life
- Your policy includes up to $300 cash benefit towards prescription drugs.
- Coverage for hospice
- Affordable premiums
- Easy access by not being rejected for serious illnesses
- Restoration of benefits
*OmniFlex™ | Short-Term is not offered in all 50 states.
True Freedom Home Care Aide
- Available nationwide for all ages
- Coordinates and arranges for home health care aides within 24 hours so you can remain in your home and get home care services.
- Plans range from 1,500 to 10,000 Lifetime Membership hours
- Unused plans over a 5-year time can receive a 40% savings discount toward their premiums
- Home Care plans consist of meal planning, all ADL’S, laundry, grocery, accompany to doctor appointments, medication reminders, grooming, and more
- True Freedom is not insurance but a home care service that is ranked in the top 5 and accredited by the National Association For Home Care & Hospice.
Here is a list of great and exciting additional membership benefits!