“My husband and I had been talking about long-term care insurance, but we were still very much up in the air about it. We met John Cooper at a networking group and invited him to our home to hear more.

He was compassionate and a great listener. He tailored the product he offered to our needs after very carefully paying attention to what we said. He made us feel like he was out for our interest. John is a very genuine human being and a delight to work with, and we are very, very glad about our decision to purchase a long-term care policy.”

B. Wofford
Lexington, KY

What is Long Term Care Insurance?

To understand long-term care insurance, think through your daily routine-all the activities you do each day that you give little thought. Before you can even begin your day, for example, you shower, brush your teeth, shave or put on make-up, dress, and eat breakfast. For most of us, this all happens in less than one of the 24 hours we have each day. What would happen if you could no longer do these things-and all the other things you do in the other 23 hours-for yourself?

Long-term care insurance provides benefits and services to assist those who are no longer able to care for themselves independently. Statistics show that over 80% of these benefits and services are provided AT HOME! A comprehensive LTC insurance policy will provide benefits and services wherever you may need them, at home, adult day care, assisted living, or nursing homes.

Many of us will need this help. One person in five over the age of 50 is at high risk of needing long-term care in the next 12 months, and the American Society on Aging estimates that after age 65, we have more than a 70 percent chance of needing some form of long-term care.

As I counsel with people about their long-term financial security, I hear many of the same questions. Here are some basic answers to the most frequently asked questions:

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For more information on Long Term Care Insurance, please visit:

• National Clearinghouse for Long-Term Care
• National Institute on Aging
• Aging Parents and Adult Children Together