Profile cover photo
Profile photo
Sandy Essex
Best CoverAge
Best CoverAge

Post has attachment

September is National Life Insurance Month. DId you know Life Insurance can provide you an income in retirement? Many versions are now available.
Add a comment...

Post has attachment
At least 70% of people over age 65 will require some long term care services in their life:
Nobody ever plans on needing long term care, but by the time there is a debilitating medical event, it is often more complicated to obtain adequate insurance.

It can be a difficult thing to care for your parents as they age and equally burdensome when you have to rely on family members to help you do the daily tasks you once took for granted.

With a long term care plan in place you and your loved ones have a clear understanding of your care needs, personal wishes and financial situation making the task of getting a care program under way much easier for everyone.

Administering Long Term Care Takes Time

When someone you care about experiences a debilitating health event, the effects are quite significant. They become dependent on family members to take on the unexpected responsibilities, and some people even stop working.

Maintaining Your Lifestyle

If you are forced to tap into your savings or retirement accounts, you may lose the opportunity to live a comfortable lifestyle later. But if you start planning for long-term care today, you may reduce these impacts on your finances and family.

The Emotional and Financial Consequences of Long Term Care

Even if you understand and are prepared for the financial impact of long term care, it may have an additional impact on your life. Caring for someone else is a loving and selfless act, but it may have a dramatic affect on your marriage, your children, your career, and your plans for retirement.

Best CoverAge explains your options

Considering everything that is at stake, being prepared and having a plan is place is critical for you and your loved ones. Everyone benefits by being covered since you can never predict exactly if or when you may need it so we encourage anyone above age 30 to begin researching long term care. At Best CoverAge, we will show you the benefits of Long Term Care Insurance and then help you secure the coverage that is right for you.

Contact me at or 847-695-6690 for your free consultation on LTC Insurance.
Add a comment...

Post has attachment
Acceptance Does Not Mean Coverage!
Although we all face challenges as we age, the LGBT community faces unique barriers that stem from programs and laws that treat same-sex couples differently from married straight couples. Due to these inequalities, if a long term care event happens, you or your partner may have less money in your retirement savings to cover the cost of care.

For this reason, it is particularly critical for those in the LGBT community to learn more about long term care insurance and how it can help protect assets and independence.

Despite paying into the system, Social Security does not treat same-sex couples equal to straight when it comes to paying benefits. You can be denied the spousal and survivor benefits that married couples are entitled to.5

When it comes to IRAs and similar plans, the LGBT community still doesn’t receive the same benefits as their straight peers. Additionally, some employee pension and defined benefit plans still deny the surviving partner the financial protection afforded to straight married couples.6

Generally, when dealing with Estate Taxes the surviving spouse of a straight married couple can inherit the couple’s assets without any tax consequences, however, in the LGBT scenario, they are usually required to pay inheritance taxes.7

Even the Veteran’s Benefit’s programs do not provide equality when it comes to pensions, medical care and home loan guarantees.8

Another concern for the LGBT community is having a more limited support network. With fewer children than heterosexuals and a potential lack of acceptance by biological family members, the LGBT community may have a smaller number of family members available to provide emotional, financial and care giving support.

The Next Step Is Up to You

I specialize in providing education, advice and plan designs customized to meet the Long Term Care needs of the LGBT community. My passion and commitment will be essential to helping you and your partner make the emotional and financial decisions necessary to live the life you envisioned, together. I invite you to call me for a confidential consultation. Sandy, 847-695-6690, and visit my website at
Add a comment...

Post has attachment
What will your children do if you can’t care for yourself? Now imagine how much easier life will be if you’re prepared.

What if your family encountered a catastrophic event? Now imagine not putting a price tag on a sense of security.

How long can you afford ongoing nursing or in-home care? Now imagine spending your life savings they way you intended.

Now is the time to consider long term care insurance coverage so that you can live life on your own terms. I take a personal approach to ensuring you and your loved ones have the right protection

My mission is to help educate as well as protect consumers from potentially significant financial and psychological costs of long term care. It is my goal to help families and individuals make well-informed choices when it comes to protecting their financial future. Not everyone realizes that long term care planning should take place before they reach a point where they become uninsurable.

I am committed to helping you and your loved ones make your own well-informed choices regarding this complex subject while you are still active and healthy enough to act.

Contact me now to review the best plans for your situation, 847-695-6690 or
Add a comment...
Wait while more posts are being loaded