Before

$ 0 k

Guaranteed life insurance for 10 more years.

$ 0

Long Term Care Insurance

$ 0

Out of Pocket Premium

After

$ 0 k

Guaranteed life insurance for 30 more years

$ 0 k

Long Term Care Insurance, increasing annually

$ 0

Out of Pocket Premium

Greg (62) and Sherri (61) are now paying for the long-term care needs of Sherri’s mother. They are concerned about planning for their own eventual need for care in the future. Through a policy review of their Greg’s existing life insurance, adjustments were made to improve his life insurance and use the annual premium savings to pay for new long-term care coverage for both Greg and Sherri.

Acru Process

  • Review “in-force” illustrations and details from existing life insurance company
  • Complete Underwriting Advocate
  • Replace old life insurance policy with new policy
  • Purchase new LTC coverage

Client Impact

  • Annual life insurance premium savings of $2,945 or 61%
  • Improved guaranteed life insurance coverage by 20 years
  • Added new LTC coverage for both Greg and Sherri
  • Used life insurance premium savings to pay for new LTC coverage…total new premium is still less than what they were paying before

Risk. Resolved.