☰ ˟
Appointments Employee Benefits P & C
Employee Benefits: 210-822-2333 P & C: 210-828-7873
Logo
  • Home
  • Our Agency
    • About UsImage of right arrow
      • Our Staff
      • Organizations
      • Trusted Choice® Pledge
    • Our Providers
  • Products
    • Auto InsuranceImage of right arrow
      • Auto Liability Coverage
      • Comprehensive Auto Coverage
      • Auto Collision Coverage
      • Uninsured/Underinsured Motorist Coverage
      • Diminishing/Vanishing Deductible
      • Accident Forgiveness
      • Minor Violation Forgiveness
      • SR-22s
      • Roadside Assistance
      • 24-Hour Customer Service
      • Specialty Auto Insurance
      • Towing Services & Coverage
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Mexican Auto Insurance
      • Medical Payments Coverage
    • Commercial General Liability
    • Contractors InsuranceImage of right arrow
      • Specialty Trade Contractors Insurance
      • Maintenance Contractors Insurance
      • Landscaping Contractors Insurance
      • HVAC Contractors Insurance
      • School Bus Contractors Insurance
      • Septic Contractors Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Auto Body Shop Insurance
      • Accounting Firm Insurance
      • Insurance for Arborists
      • Builder’s Risk Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Convenience Store and Gas Station Insurance
      • Craft Brewery Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Funeral Home Insurance
      • Healthcare Facility Insurance
      • Medical Practice Insurance
      • Medical Malpractice Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Livestock Insurance
      • Manufacturing Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Non Profit Insurance
      • Orthotics & Prosthetics Insurance
      • Personal Trainer Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Real Estate Businesses Insurance
      • Restaurant Insurance
      • Retail Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tow Trucks Insurance
      • Trucking Insurance
      • Uber Insurance
      • Water Well Drillers Insurance
      • Vape Manufacturers Insurance
      • Veterinary Insurance
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Errors and Omissions Insurance
      • Fidelity Bonds
      • Leave Management
      • Loss Control Insurance
      • Inland Marine Insurance
      • Marine Insurance
      • Professional Liability
      • Small Business Insurance
      • Small Business Liability Insurance
      • Surety Bonds
      • Workers Compensation
    • Coverage For Your EmployeesImage of right arrow
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
    • Cyber Liability
    • Disability Insurance
    • Expert Consulting Services
    • HealthImage of right arrow
      • Individual & Family Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Group Health
      • Temporary Health Insurance
      • Medical Expense Insurance
      • Travel Health Insurance
    • Home InsuranceImage of right arrow
      • Earthquake Insurance
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Insurance >50 Employees
    • Insurance <50 Employees
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Mortgage Protection Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Long-Term Care
    • MedicareImage of right arrow
      • Medicare & Open Enrollment
    • Other Personal InsuranceImage of right arrow
      • Identity Theft Insurance
      • Personal Umbrella Insurance
      • Pet Insurance
      • Vacation Rental Property Insurance
      • Data Backup Services
    • Recreational VehicleImage of right arrow
      • ATV Insurance
      • Boat/Watercraft Insurance
      • Golf Cart Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • Snowmobile Insurance
    • Additional Insurance ServicesImage of right arrow
      • Special Event & Wedding Insurance
      • Other Services
      • Wedding Insurance and Special Event Insurance
  • Get A Quote
  • Blogs
  • Contact Us
    • Contact Us
    • Our Locations
Get A Quote Group Medical, Dental, and Vision
Get A Quote Cyber
Get A Quote Voluntary Group Benefits
Get A Quote Business Owners Policy
Get A Quote Commercial Auto
Get A Quote Workers Comp
Home > Long Term Care > Long-Term Care Insurance

Long-Term Care Insurance in San Antonio TX & New Braunfels TX

Personal and Financial Protection for the Long Term.

As we live longer, the chances that we will need some assistance with our daily activities increases. About 70% of people turning age 65 will need some form of assistance during their lifetime. For a quick overview of the issue visit the government site on long term care:  https://acl.gov/ltc Be sure to return here for more information.

Long-term Care insurance policies have evolved over the years, but a standard long-term care policy still has two issues  that many people find to be a deal-breaker.

One: All conventional stand-alone long-term care policies are guaranteed renewable. That means, you have the right to renew your policy at the end of each term, but the insurance company has the right to increase the premium on all its policies in a specific state. Let's face it, conventional long-term care policies are, after all, a type of health insurance policy, and we all know what the history of health insurance premiums has been over time.  As a historical fact, almost all conventional long-term care policies have delivered significant price increases to their insureds over the past few years. Purchasing a plan of insurance which has an indeterminate cost as one is entering a stage of life where income tends to be fixed is not a sound financial decision.

Two: While modern long-term care policies do an excellent job of covering the costs of care in multiple venues, the question still remains: "What if I pay for this policy for twenty years and never need care?" Well, a stand-alone conventional long-term care policy is, after all, an insurance policy. Insurance policies are purchased to protect the insured against financial loss in the event of an unforseen event. No one asks "What if I pay premiums on a homeowner's policy for twenty years and never have a claim?" But somehow that sentiment about long-term care has been an impediment to taking action for many people.  

To address these concerns, several insurance companies have developed new solutions for the problem of long-term care. These innovative solutions involve a product that is based on either a life insurance policy or an annuity. With these products, premiums are fixed and will never increase and if care is never needed, a benefit can be passed to children, grandchildren, or a favorite charity. 

For a quick overview of one company's innovative solutions to the need for long-term care insurance, click here 


 

Individuals looking to purchase Long-Term Care Insurance must meet certain conditions in order to qualify for benefits. Talk to an insurance professional with M A R Insurance Group to learn more about Long-Term Care Insurance and whether you should add it to your current policy.

All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Policy guarantees and benefits are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

Insure Your Needs
Resources
Products
Our Carriers
Refer A Friend
About Us
Blog
Contact Us
Contact Us
M A R Financial Group
1534 W Contour Dr, #301
San Antonio, TX 78212

Ph: 210-822-2333
A R M Insurance Agency
1534 W Contour Dr, #101
San Antonio, TX 78212

Ph: 210-828-7873
© Copyright. All rights reserved. Powered by Insurance Website Builder.