all mailers

26
Since we all know that death is an eventual reality, it is natural to feel as though there is a need to protect our loved ones after we are no longer there to care for them. For example, as a parent you may worry that your children will have to delay their plans to attend college in the event of your unexpected death. Additionally, you may be concerned your family members will need time to decide if they would want to continue to live in their present home. Whatever it takes to assume financial responsibility does not end when your life ends. All of these things and more are common concerns that cause many people great worry. Put Your Mind At Ease There is a way to help put an end to unnecessary worry and concerns. Rather than create more stress, worry and lost sleep, you can do something to ease your mind. Find peace by making plans for whatever needs to be done in order to prepare your family. Purchasing funeral or burial life insurance can be just what you need to have peace of mind. Although you may not physically be there, you can still help them through a difficult time by securing their financial situation with money that can be used towards short-term essentials. Your survivors will still have concerns about everyday living expenses as they continue to live without you. You cannot change that; however, you can help provide financial support with the purchase of a burial or funeral life insurance policy. Make Certain The Expenses Are Paid While your family members are grieving, they can avoid making quick decisions like where they will live. They can use the proceeds from a burial or funeral life insurance policy to help make mortgage payments. Plans are now available that can pay the high costs of funeral expenses. There are medical bills, bank loans, credit card debts and other unpredictable expenses. You can choose $5,000, $10,000, $20,000, $30,000 or $50,000 Life Insurance Coverage to help your family handle final expenses. Take The First Step To receive FREE information on these important plans, complete and mail in the enclosed postage-paid card today. We will provide you with honest and complete information so you can make a decision that is best for your loved ones. It's As Certain As Taxes. Be Ready!

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Page 1: All Mailers

Since we all know that death is an eventual reality, it is natural to feel as though there is a need to protect our loved ones after we are no longer there to care for them.

For example, as a parent you may worry that your children will have to delay their plans to attend college in the event of your unexpected death. Additionally, you may be concerned your family members will need time to decide if they would want to continue to live in their present home.

Whatever it takes to assume financial responsibility does not end when your life ends. All of these things and more are common concerns that cause many people great worry.

Put Your Mind At Ease There is a way to help put an end to unnecessary worry and concerns. Rather than create more stress, worry and lost sleep, you can do something to ease your mind. Find peace by making plans for whatever needs to be done in order to prepare your family.

Purchasing funeral or burial life insurance can be just what you need to have peace of mind. Although you may not physically be there, you can still help them through a difficult time by securing their financial situation with money that can be used towards short-term essentials.

Your survivors will still have concerns about everyday living expenses as they continue to live without you. You cannot change that; however, you can help provide financial support with the purchase of a burial or funeral life insurance policy.

Make Certain The Expenses Are Paid While your family members are grieving, they can avoid making quick decisions like where they will live. They can use the proceeds from a burial or funeral life insurance policy to help make mortgage payments.

Plans are now available that can pay the high costs of funeral expenses. There are medical bills, bank loans, credit card debts and other unpredictable expenses. You can choose $5,000, $10,000, $20,000, $30,000 or $50,000 Life Insurance Coverage to help your family handle final expenses.

Take The First Step To receive FREE information on these important plans, complete and mail in the enclosed postage-paid card today. We will provide you with honest and complete information so you can make a decision that is best for your loved ones.

It's As Certain As Taxes. Be Ready!

Rick
Text Box
Page 1 of 2
Page 2: All Mailers

YES! Please provide me with FREE additional information on how I can protect my loved ones from the high cost of funeral expenses. The amount of coverage I am interested in is:

□ $10,000 □ $15,000 □ $20,000 □ $25,000 □ Greater than $25,000

2PEP-2

John Q. Sample 123 Main Street Anytown, US 12345-1234

Not endorsed or affiliated with a government agency. A state-licensed may contact you.

Name: __________________________ Age: ______ Spouse’s Age: _____ Signature: ___________________________________

Telephone: [ _______ ] ________________________

Rick
Text Box
Page 2 of 2
Page 3: All Mailers

Dear Minnesota Resident: Long-term care is a real risk. Even the U.S. Congress recognizes the importance of making people aware of the risks and costs associated with long-term care. Even though the risk is real, most people avoid thinking about long-term care until it is too late. FACT #1. Most long-term care is received at home; not in a nursing home. In fact, 43% of long-term care insurance claim benefits paid to individuals covered home care (and only 24% paid for nursing home care.) FACT #2. One of the significant ways to save on long-term care insurance protection is to take advantage of available discounts. People in good health can save. You can lock in these savings even when your health changes. Less than half (44%) of people between 50 and 59 qualify though and that percentage declines at older ages. FACT #3. Married couples can save on long-term care insurance, sometimes even when only one person is protected. And with new "shared care" options, two people can actually share each other's coverage. Less money … more benefit … worth considering. Which discounts and savings do you qualify for? Failure To Plan is a Plan For Failure. Your first step should be getting the information you need to protect yourself, your family and your loved ones.

For additional information regarding long-term care and the many important options available to you, return the enclosed postage-paid card today. You will also receive FREE, The New 5o Plus Guide to America’s Senior Health Care.

2PLTC-2

Long Term Care Hospitalization Car Destroyed House Destroyed

7 in 10 chance

1 in 11 chance

1 of 200 chance 1 in 1,200 chance

U.S. Government...It’s Not A Choice Anymore… You Must Provide For Your Own Long-Term Care

Your Chances of Insurance Claims After Reaching Age 65

Rick
Text Box
Page 1 of 2
Page 4: All Mailers

Free, Important Information! Just complete this postage-paid reply card today. There is no obligation and you will receive the FREE 50 Plus Guide to America’s Senior Health Care, which provides important information on today’s health care in America. 2PLTC-2

John Q. Sample 123 Main Street Anytown, US 12345-1234

We protect your privacy. Not endorsed by any government agency. A state-licensed insurance representative may contact you.

Name: __________________________ Age: ______ Spouse’s Age: _____ Signature: ___________________________________

Telephone: [ _______ ] ________________________

John Q. Sample 123 Main Street Anytown, US 12345-1234

Rick
Text Box
Page 2 of 2
Page 5: All Mailers

You Have To Start The Conversation The first step in successful long-term care planning starts with a conversation. We all have expectations about our future and the role we’ll play in each other’s lives. By talking to your loved ones, you can begin tackling what can be a difficult subject. An honest conversation about your expectations for the future can help avoid the anger, disappointment, guilt and confusion caused by simple misunderstandings. For thousands of Minnesota families, this conversation has led to plans that have helped secure their future, dignity and expectations for a rich and vital retirement. Planning for long-term care needs for you or family members is crucial before the need arises. Sit down with parents, children, siblings and close family friends. Don’t be afraid to ask what are understandably sensitive questions; the answers will make the planning process smoother. • Where and how do you want to spend your retirement years? • What are your wishes regarding long-term care? • What role do you hope your loved ones might play? • What role do your loved ones expect to play? • Can a family member handle the burden of care giving? • If you needed long-term care, what kind of setting would you prefer? • What financial resources or insurance coverage are in place or might be put in place? Discussing your wishes and options with trusted professionals, such as your financial planner, doctor or insurance agent, is also recommended. Don’t wait! Long-term care insurance should be considered sooner rather than later since the cost is more affordable when you are younger and you are more likely to qualify when you are healthy. The Minnesota Long-Term Care Partnership is an example of Minnesota’s leadership in home and community-based services, which are expanded in health reform.

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Older women spend more years and a larger percentage of their lifetime disabled; they are nearly twice as likely to reside in a nursing home.

53 percent of those needing long-term

care assistance are working-age adults (18 – 64 years of age), while

47 percent are age 65 and older.

Very little, if any, long-term care is covered under health, disability or Medicare supplemental policies.

Medicaid will pay for the costs of care, but only after most of your assets have been depleted and

typically only in a nursing facility.

Rick
Text Box
Page 1 of 2
Page 6: All Mailers

Minnesota Residents The Reality... Fire, auto and health insurance are options you may consider to protect against un-foreseen and costly emergencies and disasters. But have you thought about one of the largest and most common issues facing Minnesotans — the need to protect yourself and your family from the consequences of a chronic health condition that demands expensive long-term care? While long-term care is one of the most common and costly expenses Minnesotans incur today, few of us have seriously planned for this far too common reality. Because health insurance does not cover the long-term care needs associated with many chronic conditions, traumas and illnesses, many of us could find ourselves facing potentially devastating emotional and financial costs that stretch on for months and, in most cases, years. The state of Minnesota has designed this plan for these needs so you can protect your investments, your lifestyle and your dignity should you or a loved one ever need long term care.

Are you ready?

What is the Minnesota Long-Term Care

Partnership? The Partnership fits into the State’s overall mission of trying to encourage Minnesotans to plan how they want to live in their later

years, including how they may need to finance their long-term care needs. It encourages people to take greater control over how they finance their long-term care, and may reduce the pressure on the current system of publicly funded long-term care.

How Does It Work? Currently, people must deplete most of their assets before the state will pay for their long-term care – whether it is in a nursing facility or their own home. Under the LTC Partnership, a person who buys and uses a policy worth $100,000, for example, will be able to protect up to an additional $100,000 of their assets if they later need to apply for Medicaid (known as Medical Assistance in Minnesota).

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Rick
Text Box
Page 2 of 2
Page 7: All Mailers

Did you know that the federal government provides funeral expense benefits?

Unfortunately these benefits ($255 from Social Security) are thousands of dollars below the cost of today's funerals, with the average exceeding $10,000 and quickly approaching $15,000. The balance must be paid in advance to the funeral home before any services are performed.

If you have ever experienced the passing of a loved one you know it can be an overwhelming chore to plan for a funeral while under duress as you will be needing to make countless decisions while in grief. By planning ahead you can eliminate this chore and have piece of mind knowing your family will not be burdened with the high cost associated with a funeral.

There are plans that can cover these expenses for as low as $2.50 per week. For additional information , just mail in this postage-paid card today.

John Q. Sample 123 Main Street Anytown, US 12345-1234

CDFX-2 We protect your privacy. Not endorsed by any government agency. A state-licensed insurance representative may contact you.

Name: ____________________ Age: ____Spouse’s Age: _____ Signature: ____________________________________________ Telephone: [ _______ ] ____________________

Page 8: All Mailers

2012 LONG-TERM CARE UPDATE: NEW TAX LAW

Government programs such as Medicare and Medicaid cannot afford to expand to provide long-term care. New legislation has recently been signed into law providing tax advantages for purchasing Long-Term Care protection. This sends a message -You Must Provide For Your Own Long-Term Care!

Based on your age, you may be entitled to as much as a $4,370.00 per-year tax deduction.

If you are looking into the Government’s Long Term Care plan, you owe it to yourself to compare plans! Fill out and return this no-obligation Postage-Paid Card today. We will also include the new America’s 50 Plus Health Care guide absolutely FREE.

John Q. Sample 123 Main Street Anytown, US 12345-1234

cdlt-1 We protect your privacy. Not endorsed by any government agency. A state-licensed insurance representative may contact you.

Name: ________________________ Age: ______

Spouse’s Age: _____

Telephone: [ _______ ] ____________________

Page 9: All Mailers

Congress now sets Medicare Payment Ceilings on a per-ailment basis. You need to learn more about this as it may personally affect you.

Under Medicare’s Prospective Payment System (PPS,) payments to a hospital will never exceed the limit set by Congress for a particular ailment. Because of this system, patients are being transferred to lower-cost nursing homes or extended care facilities for the remainder of their treatment. This may mot be covered by tour current program and may result in your own out-of-pocket expenses.

To learn more about these important changes and how it may personally affect you and your loved ones, mail in this postage-paid card today. We will rush you complete information concerning these Medicare facts. We will also include the new America’s 50 Plus Health Care guide absolutely FREE.

John Q. Sample 123 Main Street Anytown, US 12345-1234

cdlt-2 We protect your privacy. Not endorsed by any government agency. A state-licensed insurance representative may contact you.

Name: ________________________ Age: ______

Spouse’s Age: _____

Telephone: [ _______ ] ____________________

Page 10: All Mailers

Minnesota Residents Have a Program That Can Protect Them From The High Costs Of Long Term Care!

The Minnesota Partnership provides a solution to those who can’t afford private long-term care insurance but have too many assets and too much income to qualify for Medicaid.

The government recognizes the need for Minnesota residents to have an affordable way to pay for expensive care received at home, in an assisted living facility, or in a nursing home.

Find out how the Minnesota Partnership Program can protect you from the high costs of long-term care and receive the New America’s 50 Plus Health Care guide FREE.

John Q. Sample 123 Main Street Anytown, US 12345-1234

cdltc-3 We protect your privacy. Not endorsed by any government agency. A state-licensed insurance representative may contact you.

Name: ________________________ Age: ______

Spouse’s Age: _____

Telephone: [ _______ ] ____________________

Page 11: All Mailers

It Didn’t Have To Happen...John and Martha were living a good life until John suffered a debilitating stroke. After a short time in the hospital, John was transferred to a nursing home because Martha was unable to car for him. In 2 short years, they had gone through all of their savings because neither Medicare nor their standard health insurance would pay for John’s care. Unfortunately, this didn’t have to happen. There are programs available that could have paid their bills and protected their assets.

It’s a story that is all too common these days. People are losing everything they have to common illnesses. To learn more about important legislative changes in your state and how it can protect you and your loved ones, mail in this postage-paid card today. We will rush you complete information concerning these Medicare facts. We will also include the new America’s 50 Plus Health Care guide absolutely FREE.

John Q. Sample 123 Main Street Anytown, US 12345-1234

cdltc-4 We protect your privacy. Not endorsed by any government agency. A state-licensed insurance representative may contact you.

Name: ________________________ Age: ______

Spouse’s Age: _____

Telephone: [ _______ ] ____________________

Page 12: All Mailers

Minnesota Residents Now Have Access to a Program That Can Pay Monthly Benefits For Care At Home!

No one wants to go to a nursing home and many would very much prefer that they receive care in their own home...provided by loved ones. • Today, there are policies on the market that pay Monthly Cash Benefits when home care is provided by

spouse, friends or family. • Payments begin on the very first day you’re eligible for benefits. There are no bills to submit -no

paperwork - no strings attached. The money can be used as you see fit.

Find out how you can protect yourself and your family from the high costs of long-term care and receive the care in the comfort of your own home. You will also receive the New America’s 50 Plus Health Care guide FREE.

John Q. Sample 123 Main Street Anytown, US 12345-1234

cdltc-5 We protect your privacy. Not endorsed by any government agency. A state-licensed insurance representative may contact you.

Name: ________________________ Age: ______

Spouse’s Age: _____

Telephone: [ _______ ] ____________________

Page 13: All Mailers

Long Term Care…"Medicare or Medicaid Will Pay For It!" The Truth is: Medicare does not pay the high costs associated with long-term care and Medicaid only pays after you have exhausted all of your assets. With Medicaid, you lose choice over the care received. Also, under new law, the federal government can look back up to five years for outright gifts to your children or other relatives and the equity in your home could be counted as an asset. To learn more about important legislative changes in your state and how you can protect yourself and your loved ones, mail in this postage-paid card today. We will rush you complete information concerning these important facts. We will also include the new America’s 50 Plus Health Care guide absolutely FREE.

John Q. Sample 123 Main Street Anytown, US 12345-1234

cdltc-6 We protect your privacy. Not endorsed by any government agency. A state-licensed insurance representative may contact you.

Name: ________________________ Age: ______

Signature: ________________________________

Spouse’s Age: _____

Telephone: [ _______ ] ____________________

Page 14: All Mailers

Dear Resident of Minnesota: Medical advances have extended our life span, but they haven’t made us immune from having a heart attack, stroke or being diagnosed with cancer. Unexpected Expenses? While any of the above diagnosis is no longer a death sentence, they carry a hefty treatment cost. Medical insurance helps reduce costs, but most plans don’t cover all the expenses related to treatment, and consumers are increasingly purchasing critical illness insurance. More and more medical plans are shifting the cost to the consumer. The costs are somewhat unpredictable with high-impact medical conditions. A Harvard Medical Study found that the vast majority of bankruptcies in the U.S. were related directly to medical conditions. More surprising, 78% of the people that were forced to file for bankruptcy had health insurance at the current time. Uncertain About Coverage? Medical insurance will cover the diagnosis and treatment of serious illnesses, but experts say most plans won’t foot the bill for the co-payment, co-insurance, high deductible or any experimental treatments. It also won’t help in covering mortgage payments if you are out of work, or transportation to a treatment center or to see an out-of-network doctor. With critical illness insurance, consumers get a lump sum whether its $10,000, $15,000, $20,000 or more that can be used however users see fit. Critical illness plans are supplemental, can cost as little as $17 a month, and will cover the expenses associated with common illnesses such as cancer, heart attack, stroke and organ transplants. A recent study found that many people are surprised to learn their existing medical insurance doesn’t cover the full financial costs associated with critical illnesses. According to the American Cancer Society, approximately 65% of cancer-related expenses are not covered by regular health insurance. Save on Your Health Care Plan! More often than not, you can actually save money on your health insurance premiums and get more coverage by getting a separate critical illness policy!

For additional information, with no obligation, regarding this important plan that can save you from financial ruin in the event of critical illness,

please fill out and mail the enclose postage-paid card today!

Health Insurance Rates Will Continue to Skyrocket in Wake of New Health Care Reform!

Experts find regular medical insurance plans woefully lacking in coverage for expenses of critical illnesses!

Rick
Text Box
Page 1 of 2
Page 15: All Mailers

• Medical co-pays and deductibles • Prescription drug co-pays • Mortgage and rent payments • Household bills • Out-of-network treatments • Childcare bills • Car payments • Travel to treatment centers

Free, No Obligation Information! Receive FREE information on how you can avoid financial disaster when a medical emergency strikes. Critical illness insurance can alleviate financial worry in the event that you become too sick to work. It provides flexibility in that the money paid out can be used as you wish, to cover a wide variety of potential needs.

John Q. Sample 123 Main Street Anytown, US 12345-1234

We respect and protect your privacy. Not endorsed by any government agency. A representative may contact you.

Name: _________________ Age: ____ Spouse’s Age: _____ Signature:__________________________________________ Telephone: [ _______ ] ____________________

Rick
Text Box
Page 2 of 2
Page 16: All Mailers

Report on Probate and Tax Savings

A leading senior publication reports that annual legal fees of 14 billion dollars have been created due to

the outdated probate process and uninformed consumers. Estate taxes and probate costs can be an

unnecessary heavy burden on your heirs and loved ones.

There are TAX-DEFERRED options available to you and the government is NOT obligated to inform

you of these alternatives.

There are also GOVERNMENT

APPROVED, SAFE and LEGAL

methods of deferring your income tax

on interest income, unlike Social

Security Income, Savings Accounts,

CD’s, Mutual Funds, and Money

Market Funds that are taxed as interest

is earned.

You can keep 100% of your interest dollars working for you.

For FREE NO-OBLIGATION information on these important alternatives, return this postage-paid

inquiry card today.

YES! I would like to receive FREE information on how to can avoid the costs and delays associated with probate and also save thousands of dollars in federal estate taxes.

Check either/both: □ Deferred Taxes □ Probate Information

INEP-1

John Q. Sample 123 Main Street Anytown, US 12345-1234

Not endorsed or affiliated with a government agency. A state-licensed representative may contact you.

Name: __________________________ Age: ______ Spouse’s Age: _____ Signature: ___________________________________

Telephone: [ _______ ] ________________________

Please detach along dotted line and mail this card today.

Page 17: All Mailers

Since we all know that death is an eventual reality, it is natural to feel as though there is a need to protect our loved ones after we are no longer there to care for them.

For example, as a parent you may worry that your children will have to delay their plans to attend college in the event of your unexpected death. Additionally, you may be concerned your family members will need time to decide if they would want to continue to live in their present home.

Whatever it takes to assume financial responsibility does not end when your life ends. All of these things and more are common concerns that cause many people great worry.

Put Your Mind At Ease There is a way to help put an end to unnecessary worry and concerns. Rather than create more stress, worry and lost sleep, you can do something to ease your mind. Find peace by making plans for whatever needs to be done in order to prepare your family.

Purchasing funeral or burial life insurance can be just what you need to have peace of mind. Although you may not physically be there, you can still help them through a difficult time by securing their financial situation with money that can be used towards short-term essentials.

Your survivors will still have concerns about everyday living expenses as they continue to live without you. You cannot change that; however, you can help provide financial support with the purchase of a burial or funeral life insurance policy.

Make Certain The Expenses Are Paid While your family members are grieving, they can avoid making quick decisions like where they will live. They can use the proceeds from a burial or funeral life insurance policy to help make mortgage payments.

Plans are now available that can pay the high costs of funeral expenses. There are medical bills, bank loans, credit card debts and other unpredictable expenses. You can choose $5,000, $10,000, $20,000, $30,000 or $50,000 Life Insurance Coverage to help your family handle final expenses.

Take The First Step To receive FREE information on these important plans, complete and mail in the enclosed postage-paid card today. We will provide you with honest and complete information so you can make a decision that is best for your loved ones.

It's As Certain As Taxes. Be Ready!

Rick
Text Box
Page 1 of 2
Page 18: All Mailers

YES! I would like to receive FREE information on how to can avoid the costs and delays associated with probate and also save thousands of dollars in federal estate taxes.

Check either/both: □ Deferred Taxes □ Probate Information

INEP-1

John Q. Sample 123 Main Street Anytown, US 12345-1234

Not endorsed or affiliated with a government agency. A state-licensed representative may contact you.

Name: __________________________ Age: ______ Spouse’s Age: _____ Signature: ___________________________________

Telephone: [ _______ ] ________________________

Rick
Text Box
Page 2 of 2
Page 19: All Mailers

Dear Minnesota Resident: Even the U.S. Congress recognizes the importance of making people aware of the risks and costs associated with long-term care. Even though the risk is real, most people avoid thinking about long-term care until it is too late. FACT #1. Most long-term care is received at home; not in a nursing home. In fact, 43% of long-term care insurance claim benefits paid to individuals covered home care (and only 24% paid for nursing home care.) FACT #2. One of the significant ways to save on long-term care insurance protection is to take advantage of available discounts. People in good health can save. You can lock in these savings even when your health changes. Less than half (44%) of people between 50 and 59 qualify though and that percentage declines at older ages. Why not see if you qualify. FACT #3. Married couples can save on long-term care insurance, sometimes even when only one person is protected. And with new "shared care" options, two people can actually share each other's coverage. Less money … more benefit … worth considering. Which discounts and savings do you qualify for? Failure To Plan is a Plan For Failure. Your first step should be getting the information you need to protect yourself, your family and your loved ones.

For no-cost, no obligation information regarding long-term care and the important options available to you, return the postage-paid card today. You will also receive FREE, The New 2012 America’s 50 Plus Guide to Health Care.

INLTC-2

Long Term Care: 7 in 10 chance

Hospitalization: 1 in 11 chance

Car Destroyed: 1 of 200 chance

House Destroyed: 1 in 1,200 chance

U.S. Government...It’s Not A Choice Anymore… You Must Provide For Your Own Long-Term Care

John Q. Sample 123 Main Street Anytown, US 12345-1234

Not endorsed or affiliated with a government agency. A state-licensed insurance representative may contact you.

Name: __________________________ Age: ______ Spouse’s Age: _____ Signature: ___________________________________

Telephone: [ _______ ] ________________________

Your Chances of Insurance Claim After Reaching Age 65

Please detach along dotted line and mail this card today.

Page 20: All Mailers

Long-term care...scary words. Most people think of nursing homes when you say those words. Today, that could not be farther from the truth. Today, long-term care really means home care.

It is true that in the 1980s long-term care generally meant nursing home care. But, today, most people requiring long-term care are receiving that care at home.

There are some 7.6 million individuals currently receiving care at home.

Another 1.0 million Americans live in assisted living communities.

Some 1.8 million Americans live in nursing homes. Many are there because Medicaid (the federal poverty program) pays for care in nursing homes. The problem there is that you must "spend down" your assets to poverty levels before you qualify.

To better understand Long-Term Care, think of the activities that you performed when you woke up this morning. You probably stepped out of your bed … walked to the bathroom … used the toilet … took a shower … got dressed … ate breakfast. As we age, performing these simple functions becomes difficult; often impossible.

This type of care is what Long-Term Care means. This type of care becomes very expensive.

There are plans today that can allow you and/or your loved ones to receive care in the comfort of your own home...surrounded by family.

Find out how you can protect yourself and your family from the high costs of long-term care and receive the care in the comfort of your own home. Mail in the postage-paid reply card today. You will also receive the New America’s 50 Plus Health Care guide FREE.

For no-cost, no obligation information regarding long-term care and the important options available to you, return the postage-paid card today. You will also receive FREE, The New 2012 America’s 50 Plus Guide to Health Care.

INLTC-3

John Q. Sample 123 Main Street Anytown, US 12345-1234

Not endorsed or affiliated with a government agency. A state-licensed insurance representative may contact you.

Name: __________________________ Age: ______ Spouse’s Age: _____ Signature: ___________________________________

Telephone: [ _______ ] ________________________

Please detach along dotted line and mail this card today.

U.S. Government…"7 Out Of 10 People Over Age 65 Will Need Long-Term Care"

Page 21: All Mailers

2012 LONG-TERM CARE UPDATE: NEW TAX LAW

Government programs such as Medicare and Medicaid cannot afford to expand to provide long-term care. New legislation has recently been signed into law providing tax advantages for purchasing Long-Term Care protection. This sends a message -You Must Provide For Your Own Long-Term Care! How can you help protect yourself against the significant financial risk posed by the potential need for long-term care services, either in a nursing home or in your own home? Long-term care goes beyond medical care and nursing are to include all the assistance you could need if you ever have a chronic illness or disability that leaves you unable to care for yourself for an extended period of time. You can receive long-term care in a nursing home, assisted-living facility, or in your own home. Though older people use the most long-term care services, a young or middle-aged person who has been in an accident or suffered a debilitating illness might also need long-term care. Nursing homes are no longer the primary option...there is a range of services available in the community to help meet long-term care needs. Visiting nurses, home health aides, friendly visitor programs, home-delivered meals, chore services, adult daycare centers, and respite services for caregivers who need a break from daily responsibilities can supplement care given by family members. Isn't it time to learn more about these important issues?

For no-cost, no obligation information regarding long-term care and the important options available to you, return the postage-paid card today. You will also receive FREE, The New 2012 America’s 50 Plus Guide to Health Care.

INLTC-4

John Q. Sample 123 Main Street Anytown, US 12345-1234

Not endorsed or affiliated with a government agency. A state-licensed insurance representative may contact you.

Name: __________________________ Age: ______ Spouse’s Age: _____ Signature: ___________________________________

Telephone: [ _______ ] ________________________

Please detach along dotted line and mail this card today.

Page 22: All Mailers

I would like to receive FREE information about the advantages of Long-Term Care Protection. I understand that there is no obligation in making this request. I would also like to receive a FREE copy of The NEW America’s 50 Plus Guide to Health Care.

Mr. John Q. Sample 123 Main Street Anytown, US 12345-1234

Name: __________________________ Age: ______ Spouse’s Age: _____ Signature: ___________________________________

Telephone: [ _______ ] ________________________ INLTC-5

Medicare or your health care plan will NOT cover

long-term care.

Don't let long-term care expenses deplete your

family's savings.

A long-term care insurance policy helps pay for the care you need when you can no longer care for

yourself. It may protect your family's financial future and your own

investments and savings.

Not endorsed by any government agency. A state-licensed representative may contact you.

Please detach along dotted lines and mail this postage-paid card today.

www.usltc.com/johnsample

We All Hope for the Best, But...

Being financially ready for the possibility that you will require long-term care is an important part of retirement planning. But too many people are still preparing merely by hoping for the best. For anyone 65 and older, the odds are not in your favor. Statistics show 70% of those who reach 65 will need long-term care. With long-term care costing as much as $250 a day, it doesn't take long to completely deplete a lifetime of savings—even if you're "lucky" enough to only need it for a relatively short period of time. The Big Misconception: Consumer surveys reveal common misunderstandings about which public programs pay for long-term care services. Many people believe they can rely on Medicare to pay for their long-term care services. However, Medicare only pays for long-term care if you require skilled services or rehabilitative care for a short period of time. Medicare does not pay for non-skilled assistance with Activities of Daily Living, which makes up the majority of long-term care services. You will have to pay for long-term care services that are not covered by a public or private insurance program. Medicaid is a joint federal and state program that pays for the largest share of long-term care services. However, Medicaid only covers you if your income is below a certain level and you meet minimum state eligibility requirements.

Take the first step to learning more about protecting yourself and your loved ones

from the rising costs of long-term care. Mail in the postage-paid card today. There is no obligation and you will also receive a FREE copy of The NEW America’s 50 Plus Guide to Health Care.

You may also want to get additional information by visiting your own personal web page at:

Page 23: All Mailers

Who Will Pay For Your Long-Term Care?

Long-term care services include personal care services like bathing, doing household chores, and other activities, to help you stay independent in your community. Long-term care also includes community services, such as meals, adult day care, and transportation services. Residential facilities, such as assisted living facilities and nursing homes, also provide long-term care services along with housing.

I would like to receive FREE information about the advantages of Long-Term Care Protection. I understand that there is no obligation in making this request. I would also like to receive a FREE copy of The NEW America’s 50 Plus Guide to Health Care.

Mr. John Q. Sample 123 Main Street Anytown, US 12345-1234

Name: __________________________ Age: ______ Spouse’s Age: _____ Signature: ___________________________________ Telephone: [ _______ ] ________________________ INLTC-6

Medicare or your health care plan will NOT cover

long-term care.

Don't let long-term care expenses deplete your

family's savings.

A long-term care insurance policy helps pay

for the care you need when you can no longer care for yourself. It may

protect your family's financial future and your

own investments and savings.

Not endorsed by any government agency. A state-licensed insurance representative may contact you.

Please detach along dotted lines and mail this postage-paid card today.

Depending on how much you need, these types of services can be expensive. Medicare and other health insurance do not include most long-term care services, so planning for how you might pay for long-term care becomes important. If you have low income and savings, you may qualify for Medicaid, the federal public program that pays for most long-term care services. With 70 percent of us needing long-term care services at some point during our lives after turning age 65, and the limited coverage of public programs, there is a good chance you will have to pay for some or all of the services out of your personal income and savings. Even if you only need a little assistance at home with personal care, paying for long-term care out of your personal income and savings can be difficult.

Take the first step to learning more about your options. Mail in the postage-paid card today. There is no obligation and you will receive a FREE copy of The NEW America’s 50 Plus Guide to Health Care.

Page 24: All Mailers

Would you ever think about leaving your home without insurance? Your car? Your health? Of course not. Why? Because you know the financial risks you would be taking without the needed coverage. Did you know that there's an even greater risk than all of those other subjects? It's long-term care.

Awareness

Long term care is not an easy subject to talk about. Many people tend to think they'll never need long term care. People are living longer due to advances in health care and life-style changes. The longer they live, the more likely they will experience a need for care. An accident, illness, or disability may strike at anytime. If unprepared, the physical, emotional, and financial consequences can be severe to the person and his/her family.

Family

Long term care is not just an individual concern, it is a family concern. Many people want to, and do, receive care at home. Care-giving demonstrates love and commitment that may be a rewarding personal experience. On the other hand, exhaustion, worry, inadequate resources, and continuous care demands may be extremely stressful on the caregiver.

Government

Some people think that government programs may take care of everything. In reality, government programs do not cover many options for quality care. Moreover, eligibility for help through government programs are very restrictive and will become even more difficult. You owe it to yourself and your loved ones to learn all you can about the options available that can protect your family from the high financial and emotional costs of long-term care. For free information, without any obligation, return this postage-paid card today.

U.S. Government States: You Must Provide For Your Own Long-Term Care

Long-term care has quickly become one of the most pressing issues in the discussions about the financial state U.S. healthcare. Isn't it time you learned all you can about these important issues? Mail in this postage-paid card today. We will furnish you with all the information you'll need to protect your family from the high costs of long-term care.

John Q. Sample 123 Main Street Anytown, US 12345-1234

We protect your privacy. Not endorsed by any government agency. A state-licensed insurance representative may contact you.

Name: __________________________ Age: ______ Signature: ___________________________________ Spouse’s Age: _____

Telephone: [ _______ ] ________________________

Please detach along dotted lines and mail this postage-paid card today. INLTC-7

Page 25: All Mailers

HEALTHCARE PROCESSING CENTER PO BOX 80250 ROCHESTER MI 48308-1785

John Q. Sample 123 Main Street Anytown, US 12345-1234

2012 Healthcare Update

____________________________________

____________________________________

____________________________________

John Q. Sample 123 Main Street Anytown, US 12345-1234

Not endorsed by Social Security, Medicare or any government agency. A state-licensed insurance representative may contact you.

Name: ________________________________ Age: ______ Spouse’s Age: _________ Telephone: [ _______ ] _____________________________

Medicare’s next open enrollment period starts November 15th, 2012 and ends December 31st, 2012. Each year there are changes to the various plans available and what they cost. This year there are a number of changes. Some are losing their Medicare Advantage plans. Medicare eliminated plans E, H, I and J. New plans M & N have been introduced and could save you up to 25% over other available plans. Don’t miss your open enrollment period! Find out the options available to you today! Mail in the attached postage-paid reply card today for important information with no obligation. You will also receive the new guidebook, America’s 50 Plus Guide to Health Care absolutely FREE.

MEDICARE OPEN ENROLLMENT IS AROUND THE CORNER!

Yes! Please provide me with more information concerning changes in Medicare and how they may affect me. Also, send me the new guidebook, America’s 50 Plus Guide to Health Care.

Please detach here or, for privacy, fold over and apply tape with return address facing out

cdlt-1

Page 26: All Mailers

You’re Not Too Young to Plan Now for Long-Term Care The U.S. Congress has urged "the people of the United States to learn more about the potential risks and costs of long-term care…and the options available."

You protect against other risks like a car accident or house fire. Long-term care is a risk to your savings and to your retirement. It will impact your family and loved ones. Just as it is smart to plan ahead for retirement, it's smart to plan now for long-term care. Here are some things you should know:

Buy before age 65! Avoid the high cost of waiting! Your age and your health are important factors that determine the cost of long-term care insurance protection. Costs are based on your age at application and go up each year. By waiting to purchase until you are closer to retirement you might find it's just too expensive to buy this important protection.

I would like to receive FREE information about the advantages of Long-Term Care Protection. I understand that there is no obligation in making this request. I would also like to receive a FREE copy of The NEW America’s 50 Plus Guide to Health Care.

Mr. John Q. Sample 123 Main Street Anytown, US 12345-1234

Name: ________________________ Age: ________

Spouse’s Age: ______

Telephone: [ _______ ] ___________________________ U65ltc-1

Medicare or your health care plan will NOT cover

long-term care.

Don't let long-term care expenses deplete your

family's savings.

A long-term care insurance policy helps pay for the care you need when you can no longer care for

yourself. It may protect your family's financial future and your own

investments and savings.

Not endorsed by any government agency. A state-licensed insurance representative may contact you.

Please detach along dotted lines and mail this postage-paid card today.

www.usltc.com/johnsample

• At younger ages you can lock in good health special savings. Your good health today can help you lock in preferred health discounts that won't change even if your health does. If you currently have a health condition, it's especially important to find out if you can health-qualify before it gets worse.

• Discounts can help significantly reduce the cost. You will be surprised by

how affordable long-term care insurance protection can be for some of the newer plans suited for people your age. Today, there are ways to reduce the cost of long-term care insurance; savings available when you plan ahead.

Take this first step. Mail in the postage-paid card today. There is no obligation and you will receive a FREE copy of The NEW America’s 50 Plus Guide to Health Care. You may also want to get additional information by visiting your personal web page at: