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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, 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 Group. Please go to www.mfin.com and click on “Disclosure Statement” at the bottom of the home page for further details regarding this relationship.

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Long-Term Care Plan

A plan to help protect against financial loss

A long-term care illness is often one of the most under insured risks in a financial plan.

For someone sixty (60) years old today, there is a 50% probability they will need long-term care. Other studies show 70% of people over age 65 will experience a need for long term care during their lifetime. However, the real answer is your probability is either 0% (you will never need it) or 100% (you will need it). Applying statistical studies to your own situation is always difficult and often not very practical.
 

We deliver company-paid long-term care plans.

Insure ADLs

Insure the loss of two (2) or more activities of daily living (ADL) - bathing, dressing, using the toilet, transferring, incontinence, and/or eating.

LTD Expenses

Pre-fund potential long-term care expenses for amounts that range from $5,000 to $15,000+ per month.

Flexibility

Company-paid plan with product options to provide return of premium and death benefits in addition to long-term care benefits for participants.

Protect against financial loss

A long-term care illness is often one of the most under insured risks in a financial plan. The growing costs associated with a long-term care, particularly an event lasting 4+ years, can liquidate the majority of an executive's assets.

How It Works

Quote & Analysis

Gather information on plan participants, coverage amounts, and desired features for the Long-Term Care Plan.

Underwriting

Medical exam for plan participants which can include a cognitive review and other health questions for the long-term care policy.

Implement Plan

Fund the company-paid long-term care plan with a single premium or a series of annual premiums. Participants can take the coverage when they retire or terminate.