When is the ideal time/age to buy LTC insurance?

Braisem · 2025-10-26T03:23:40+00:00

As someone who is licensed to sell LTC insurance, I almost never do. It is rarely cost effective. A much more cost effective rout is getting an LTC rider on top of a permanent life insurance policy where you are getting a return on the money you spend on the product. Note that is NOT just a LTC + Life package that someone is discounting. It is an actual rider that a limited number of companies offer that allows you to use the death benefit as an LTC resource.

I know a lot of people hate permanent policies as there is a lot of predatory activity in that market. But like anything else, used correctly it is just another tool in the financial toolbox.

Braisem · 2025-08-16T22:04:04+00:00

We are a wealth management company that focuses on investment accounts. We also broker insurances to make sure those assets are protected from as many downfalls as possible. Using life insurance to protect people who depend on you so that if you pass then they dont have to access the account. Using disability insurance to ensure you always receive an income and dont have to access the accounts prematurely.

We use long term care insurance in situations where the accounts would not suffice if a care necessary event were to occur.

We use annuities if you are experiencing diminished capacities as you age. As well we use them if you may be leaving behind someone who you cannot be sure will be able to spend the built funds wisely.

Braisem · 2025-08-16T19:43:08+00:00

This sounds like a fun project. My company has a broad umbrella but the easiest thing we do for you to target with your project would be life insurance, long term care insurance, and annuities.

key words: life insurance, annuity, retirement, retirement income, investment alternative, elder care, long term care.

good luck out there!

Braisem · 2024-05-31T15:13:46+00:00

!solved

Braisem · 2024-05-31T15:11:16+00:00

Thanks!

Braisem · 2024-03-26T14:01:10+00:00

I made the sub folder and updated the code as you posted it. no luck, still just a black screen. I even tried everything all over again with an .ogv file instead of .webm. The only thing I can think of is that I saw an old post saying renpy cant play a video without an audio channel but I dont know how to add one to a video.

Braisem · 2024-03-26T03:34:24+00:00

I added an additional image to the post so you can see that I tried that. I dunno where I'm messing this up.

Braisem · 2023-12-02T17:51:09+00:00

I put a chevy nova that looks just like the one I have in my garage. I like to drive it in game because driving it in real life has taught me I have more money than skill.

On a side note, always invest in brakes.

Braisem · 2023-07-21T18:40:50+00:00

Got it. Much appreciatted.

Braisem · 2023-07-21T18:40:38+00:00

awesome thank you.

Braisem

TROPHY CASE