Key Person Long-Term Care Plan

We provide our corporate clients with a fully insured plan designed to allow the company to fund annual premiums to deliver pre- and post-retirement tax-free long-term care benefits for its key employees at a minimal corporate cost.

LTC Solution Guide

Fund a long-term care benefit plan with minimal impact to corporate earnings or cash flow

We deliver a proprietary company-paid LTC plan.

Tax-Free Benefits

Long-term care benefits are received income tax-free.

Protect Retirement

The LTC plan protects your retirement accounts and other assets

Recover Costs

Delivers substantial benefits with minimal impact to corporate earnings or cash flow.

70%

of Americans age 65 and older will need some form of long-term care in their lifetime.
2015 Medicare & You, Centers for Medicare and Medicaid Services

Plan Implementation Steps

Plan Census & Design

Finalize the plan participants; analyze premium funding options; review financial impact of claim scenarios.

Plan Docs & Underwriting

Review and execute plan documents; automated underwriting for plan participants; issue the insurance policies.

Issue Policies

Pay (or wire) premium; allocate premium per investment policy; deliver plan summary to participants; quarterly financial reporting.

Preserve Assets & Protect Income

Long-term care is a highly valued and visible benefit to key employees. A company-paid long-term care plan allows key employees to protect this financial risk in retirement.

Copyright © 2021 TRC Financial. All rights reserved.

TRC Financial Insurance Services and affiliates are presently licensed to sell insurance and annuity products, as well as other securities products in the following states: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia and Wisconsin. Residents of other states should consult with a local registered representative for insurance services and securities products. Proper state registration is mandatory prior to conducting business in that state. This is not an offer to sell securities, which may be done only after proper delivery of a prospectus and a client suitability review. CA License - #0E14614 \ CA License #0B40789 \ CA License #0B52893 - The principle place of business and the state of domicile for TRC Financial is: 1 Post, Suite 150, Irvine, CA 92618. Securities offered through Registered Representatives of M Holdings Securities, Inc., a Registered Broker/Dealer Member FINRA / SIPC. Check the background of this Firm and/or investment professional on FINRA's BrokerCheck. TRC Financial is independently owned and operated and is a Member Firm of M Financial. Please go to www.mfin.com and click on “Disclosure Statement” at the bottom of the home page for further details regarding this relationship. For important information related to M Securities, refer to the M Securities’ Client Relationship Summary (Form CRS) by navigating to https://mfin.com/m-securities.

(949) 509-2940

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