“At the age of 57 my husband, Sherril, and I took a long-term care policy as part of our financial plans to prepare for our senior years. Within three months of applying for our coverage, Sherril was in a serious car accident. He was in the hospital for approximately 30 days and had to go to the nursing home.He currently needs total care for all activities of daily living.

Even with tremendous family support, we are in need of caregivers an average of eight hours a day. My husband wouldn't be home if we didn't have the home care provided through our long-term care policy. The cost of his care without this coverage would be catastrophic.

My family and I are extremely grateful that we had the foresight to act early and did not wait. We really thought that this would never happen to us.”

B. Keith
Louisville, KY

How We Help You

 

At Cooper & Associates, we provide practical solutions for a better retirement. Realizing we can't be all things to all people, we specialize in providing appropriate financial solutions for those of us 50 and older.

For people looking to protect assets, we offer Long Term Care Insurance (LTC). This protection is much more than nursing home coverage for the elderly. If designed properly, a LTC insurance plan can provide you with assistance in your own home and make it possible to avoid facility care altogether.

If your CD rates are low and taxation is bringing your gains even lower, it may be wise to investigate a Senior Appropriate Annuity which would grow tax-deferred and allow you to participate in an up market but also guarantee a minimum growth to protect your principal.

When conditions are appropriate, we offer a Reverse Mortgage. This federally insured program could be a Godsend for those who need to enhance their retirement income, pay off debt, make home repairs, or just take that dream cruise! These funds are tax-free, and no payments are due while you continue to live in your home.

Call us at 859-224-0764 or email us at for a free consultation to see if any of these products will meet your needs.