Would you agree that most people don't want to spend everything it took a lifetime to create?

Since most of us are living longer today, a new concern has arisen. That's the possible need for, and rising cost of, long-term care.

Planning for long-term care expenses is now accepted as an important part of planning, whether it is financial, retirement, or estate planning. Care is very expensive and the risk of needing care rises rapidly as we get older. Everyone from Clark Howard to former president Carter attests to the importance of planning for our future long-term care needs. Unfortunately, most people are still dramatically unprepared.

What are the costs?

Nursing home costs range from $100 to $210 per day ($36,000-$72,000 annually).

Basic care costs in an assisted-living facility average $26,000 annually.

The average annual cost in the Atlanta area for home health care is between $40,000 and $110,000.

Long-term care is certainly not limited to nursing homes. More and more, long-term care services can be delivered in your home or in an assisted-living facility. Care can range from help with simple tasks like bathing and dressing to skilled nursing care. But without private long-term care insurance many of these options may not be available to you.

Your health can change tomorrow. Even seemingly small health changes can impact the cost of long-term care insurance or your ability to qualify at all. Act now to avoid unnecessary risk. This offer provides you with an unmatched opportunity to obtain protection that will provide much security for you and your loved ones.

If you are interested in learning more about long term care:

Call our office at (404)633-1991 or

Fill in our contact form and select Long Term Care as your Primary Area of Interest

or Send an email to info@bjmcom.com

Please check out the following links to read about other information on this topic:

http://www.allianzlife.com/Divisions/LongTermCare.asp

http://www.ltcweb.org

http://www.seniorresource.com

http://moneycentral.msn.com/articles/retire/style/1227.asp

http://www.cnalife.com/consumer/LTCPlanning.jsp

https://www.gefn.com/NASApp/longtermcare/jspstateselector.jsp

http://www.hiaa.org/consumer/ltcdirec.cfm