Long Term Care Insurance ProsDane Petchul - Long-Term care Insurance Specialist

Dane A. Petchul





Long Term Care Insurance Specialists






Statistics show that at least 6.4 million people aged 65 or older need Long-Term care, with one in two over age 65 requiring care. At least half of the population who are 65+ will need help with Activities of Daily Living.* Such care is provided when someone can no longer independently carry out essential everyday activities like eating, bathing, dressing, etc. Most people think of Long-Term care as something needed by older people, but accident or illness can strike someone of any age. When it does, they too may find themselves in need of assistance.

*Planning for Long-Term care United Seniors Health Council, Washington, D.C., McGraw-Hill, NY, 2002






Minds are like parachutes, they only function when they are open.

Thomas Dewar






I was convinced that I had enough money to self-insure, but saw the advantage of leveraging my money with Long-Term care insurance. Long-Term care insurance protects what I have worked so hard to earn.

Steve M.



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Long Term Care Insurance Products


John Hancock is now the second largest insurance company in North America and offers a wide variety of individual and group long term care insurance products. Long Term Care Insurance

Long Term Care Insurance Products: Custom Care II, Essential Care II, Corporate Solutions and Corporate Choices. Company Assets: $310 Billion Comdex Financial Ranking: 98



Mutual of Omaha, providing insurance protection for over 90 years, has been selling long term care insurance since 1987 and it remains one of its core products.


Long-Term care Insurance Products: LTC I, LTC IICompany Assets: $18.5 Billion
Comdex Financial Ranking: 85



Prudential Financial's distinctive rock logo and Prudential's name are among the most enduring brands in U.S. corporate history. Founded in 1875, has been selling Long-Term care insurance since 1986.


Long-Term care Insurance Products: LTC 3 Company Assets: $200 Billion Comdex Financial Ranking: 91


Med AmericaMedAmerica has earned recognition for product innovation flanked by solid financial performance. In fact, in 2006, MedAmerica marked its 16th consecutive year of positive operating results as our financial performance continued to exceed expectations with balanced growth in revenue and assets. And, having paid over $175 million1 in claims since its founding, MedAmerica consistently demonstrates that it is a company dedicated to delivering on its promises.


Note: The Comdex is not a rating itself, but a composite of all the ratings that a company has received. The Comdex ranks the companies, on a scale of 1 to 100, in relation to other companies that have been rated by the services. The Comdex is an effort to reduce the confusion over ratings, which is caused by each ratings service using a different scale. The Comdex is based on the ratings issued by the following rating services: AM Best, Standard & Poor's, Moody's Investors Service and Fitch. It does not include Weiss Ratings.



Equitable Casualty & Life insuranceThe bedrock of our financial strength rests on our strong capital position and conservative investment portfolio. It gives our policyowners peace of mind, knowing we have the long-term ability to keep our promises, to be there for them when they need us. Financial security enables us to meet the changing needs of our customers while engaging in an increasingly competitive marketplace.
"Capitalization is extremely strong, as indicated by Standard and Poor's capital adequacy ratio of 241%."
Equitable "follows an investment strategy which we consider STRONG in terms of its emphasis on safety and liquidity."
-Weiss Ratings Inc.


LifeSecure Insurance CompanyLifeSecure Insurance CoLifeSecure, a wholly-owned subsid. of Blue Cross Blue Shield of Michigan, makes LTC un-complicated
A.M. Best Company: A- (Excellent)
LifeSecure Insurance Company, headquartered in Brighton, Michigan, is dedicated to providing long term care solutions that protect families and their assets. We make long term care insurance flexible, simple and affordable.


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Long-Term Care Financing and Planning is What we Do!