Tell your spouse

and your family

not to worry

you got them covered

Secure your legacy
Take care of your family

Ask us anything

3 + 7 =

Meet Gabrielle

She talked her Mom out of long-term care. Ten years later her mother needed 8 years of care including nursing home care at $14,000/month. Now Gabrielle believes so strongly in long-term care she is a long-term care specialist. Make an Appointment today and get started on your customized long-term care plan.

Why Long-Term Care?

70% of all people will need some form of long-term care. Inheritances, future college funds, homes, and all other assets can be quickly depleted without a long-term care plan.  If unprepared, this can cause immense stress on the family both emotionally and financially. Long-term care insurance is the best way to tell your family you love them, that no matter what happens, you have it covered. Avoid stress, avoid huge financial loss, avoid uncertainty. Make an Appointment and find out how you can continue to provide both emotionally and financially for your family no matter what might come.

Protect Your Assets

Because any retirement plan that doesn’t address the risks of long term care is incomplete and leaves one susceptible to ruin.

 

Eliminate Worry

Because it alleviates stress and worry and anxiety knowing you are okay and consequently your loved ones will be okay.

 

l

Have a Plan

Because a customized long-term care plan protects your hard-earned assets from being depleted.

 

Alleviate Burdens

Because it says you care about your loved ones and won’t be a burden on them.

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Gives You Choices

Because it gives you choices and options should care be needed.

 

Ask us anything

Average annual cost of a semi- private nursing home room in the Chicagoland area

%

Of people over the age of 65 will need some form of long-term care service

Average annual cost of in-home care in the Chicagoland area

Here’s how it works

Initial Phone Meeting

Call 630-643-0009 or Click “Make an Appointment” and we will answer questions and explain the process. No pressure or sales tactics, just a 15 to 30 minute conversation.

In-Person meeting

Next we dig deeper into your goals, concerns and family and financial make-up so we can properly analyze and determine options and recommendations.

Present Options

Then we present options and recommendations and decide on a course of action.

Testimonials

My mother suffered from Alzheimer’s Disease for over 11 years before passing away. Had it not been for that one conversation she had with her advisor, her level of care, her finances, her peace of mind, our parents’ legacy and the emotional toll on our entire …
Read More

Paul Pertillo

My dad watched two of his aunts run though the proceeds from the sale of their house to pay for most of their care.  He watched his cousins struggle to find time to help care for their parents.  Dad wanted to avoid this. 
My parents bought long term care … Read More

Jim Rosenwinkel

I have experienced first hand taking care of my grandmother during her second bout with cancer. I saw how she was only given a certain number of hours for someone to come in and assist her, and because she was so weak, if she wanted more time, she had to pay out of her…
Read More

Aisha McBurrows

Avoid Stress and Anxiety with

Long Term Care Planning 

Relax, You Have a Plan

Talk to anyone that has needed home health care, assisted living, or nursing home care and they will tell you the emotional and financial stress it can put on a family. Inheritances, future college funds, homes, and all other assets can be quickly depleted without a long-term care plan. For a minor investment in your future and the future of the next generation, you can rest assured knowing yourself and your family is taken care of. Make an Appointment today and get started on your customized long-term care plan.

Tell your family not to worry, you’ve got this covered.

Types of Long-Term Care 

We custom fit your long-term care plan coverage based on your exact needs and situation. In general, there are two types of long-term care that will allow you to secure your legacy and take care of your family; Traditional and Asset-Based.

Traditional

Traditional long term care insurance works like medical insurance. You pay a premium (monthly or annually) so that the company pays a benefit when you go on claim. The benefit is a monthly amount used to pay the expenses of care. If you never go on claim, then you paid all those premiums just for peace of mind. This works just like car, medical, or home insurance.

Asset-Based

Asset-based is different in that if you never use it for long-term care expenses, it will pay out in a tax-free death benefit. You can pay for it with a monthly or annual premium, or you can fund it with another asset such as a lump sum of cash, annuity or IRA. Another big advantage is the option to setup the monthly benefit to last indefinitely.

Secure Your Legacy and Your Loved Ones

Make an appointment to get started with a no-pressure consultation. 


My mother suffered from Alzheimer’s Disease for over 11 years before passing away. Had it not been for that one conversation she had with her advisor, her level of care, her finances, her peace of mind, our parents' legacy and the emotional toll on our entire family would have had a drastically different outcome. I’ve learned there are two costs of money – financial, which is quantifiable, and psychological, which is not. My mother having a plan in place for this life event allowed our family to continue loving her while overseeing her care, NOT being daunted with the impossible task of providing her care! What’s your plan?


My dad watched two of his aunts run through the proceeds from the sale of their house to pay for most of their care. He watched his cousins struggle to find time to help care for their parents. Dad wanted to avoid this.

My parents bought long term care insurance. Years later they both made use of it. Mom had a mild stroke that impacted her short term memory. Dad really had no serious ailments ... but he was in his nineties, his legs were weak and he couldn’t safely walk by himself. Dad was on claim for 7 years, mom for 10. Their expenses were paid. No assets needed to be sold. Their care facility was a short drive from our family, and my brothers’ families. We all visited them often.

They were relieved all the expenses for their care were paid, and that they were no burden on any of the family. About a year after they went on claim we all were having dinner and dad leaned over and whispered to me, “There is nothing better than having peace of mind ... especially now, when it’s too late to buy it if I didn’t have it.”

My wife and I have long term care insurance. We know that 70% percent of us will not be able to care for ourselves in later years. We asked ourselves ... "who will provide care for us"? One of us? ... will we have the ability? Our kids? ... will they have the time and live nearby? A stranger? ... "how much will that cost"?


I have experienced first hand taking care of my grandmother during her second bout with cancer. I saw how she was only given a certain number of hours for someone to come in and assist her, and because she was so weak, if she wanted more time, she had to pay out of her own pocket. She was 82 at the time and already on a fixed income. All I could think to myself was that I wish I would have known about long term care insurance long before her diagnosis to help with the financial burden and, most importantly, peace of mind. We wouldn’t have had to worry about how she will pay out of pocket or how the family was going to have to pool money together. I also had 2 aunts that I spoke to about long term care insurance just two years ago, and they said it sounded good, but they never moved forward. About one year later, out of nowhere, my healthy aunt had a stroke. She is still recovering one year later and cannot be left alone due to her being a fall risk and having almost no ability to move her left arm. I tell you these stories because this is real life. This happened in my family and it could happen to anyone. I was asked why do I believe and offer all of my clients long term care insurance...well this is why. If both of my family members would have had long term care insurance in place, it would have given us all peace of mind and they would have been able to receive the care they wanted. They would have had options on the type of care they wanted to receive and where. I am a true believer in this product and will always recommend that it's included in everyone's financial plan. Now most of my immediate family has this policy or is at least preparing to include it as a part of their health plan.