Our mission is to bring peace of mind to individuals and families in Minnesota who are concerned about their insurance needs. We provide unbiased independent research, analysis, and advice across multiple insurance options for senior adults, couples and families. Need help navigating Medicare, life insurance or other long term care insurance, annuities or disability insurance options? You’ve come to the right place!
One Call is all it takes: When you choose Long Term Care Insurance Advisors, you can be confident that you are working with an experienced and knowledgeable team of Minnesota insurance brokers who will help you find the best insurance protection for your particular needs.
We often say in our office, “If everyone knew what we know, they would be lined up around the building to do business with us”.
Long Term Care Insurance Advisors specializes in understanding and evaluating insurance contracts. Whether you are purchasing long term care insurance, life insurance, Medicare, annuities, disability insurance, setting up non-qualified plans, college planning, etc., you’ll find that there is a wide array of restrictions and limitations. Knowing which contracts offer greater flexibility will work to your advantage, and most often don’t cost you anything extra. Just minor words like “calendar” days vs “service” days could cost you tens of thousands of dollars at claim time.
We can help you navigate your options and find the right insurance coverage for your needs. Our objective is to make sure you get the best policies with the broadest coverage at the very best price.
Every year insurance companies may revise existing contracts or develop totally new insurance contracts. For example, newly designed hybrid life insurance with living benefits has become a great alternative to traditional long term care insurance. A Medical Savings Account (MSA) for seniors on Medicare is now one of the most comprehensive Medicare plans available. Non-qualified retirement plans can be a great way to avoid taxes and grow money. Indexing universal life policies have also changed to the client’s advantage. Annuities can now pay for long term care. Health Saving Accounts (HSA) are probably one of the most tax-advantaged plans ever. All of these are relatively new to the market and we take the time to study these contracts.
NEW for 2022 are non-qualified tax planning accounts that allow you to grow your money truly tax-free and avoid most government restrictions. Account values can only go up and you’re free from any stock market risk.
AEP is the Medicare Annual Election Period that occurs from October 15th to December 7th when current enrollees in a Medicare Advantage Plan or stand-alone …