Invitation to a Long-Term Care Risk Review Meeting
(May also be used as a discussion guide for telephone conversations)

One of my most important jobs is to help you to identify and manage financial risks. One of those risks has nothing to do with the market…

I refer to the financial risk of long-term care.
A recent study shows that average annual expenses for nursing home care now run about $65,000 per year.¹ One out of five people in a nursing home are likely to be there for more than five years.² Nursing home and assisted living expenses can be much higher in many metropolitan areas. At $17 to $20 per hour¹, a year of round-the-clock home care can cost up to $175,000.

Surprisingly, the healthier we are today, the longer we are likely to live. As we grow older, we encounter a much higher probability of needing assistance with activities of daily living. Because of their longer life expectancies, women are twice as likely as men to need care after age 65.

Sources : 1- MetLife Mature Market Institute, August 2003, 2- Health Insurance Association of America , March 2004 .

I recommend that we meet to discuss these questions:

• Should you consider owning long-term care insurance?
• How might you own adequate insurance, but without impacting your household budget?
• If you choose to rely on your emergency funds to pay for care, how might you increase their benefit value?

I seek to help you understand how the financial risk of long-term care can impact your personal independence…and deplete the estate you leave to your family. You deserve the opportunity to review your options.

Important Note: All written correspondence must be compliance approved by your firm before you send it.