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A message from Michael Kalen, CEO of Futurity First Insurance Group.
  • The True Cost of Long-Term Care

    The true cost of long-term care, however, goes far beyond just the dollars and cents of out-of-pocket costs. The indirect costs can have a drastic impact on a caregiver’s physical and emotional health, career and even their family relationships. This is something I learned firsthand in my experience as a caregiver. But my story is not unique. As many who have cared for a loved one can tell you, this is a common experience for family caregivers. Unfortunately, most families only explore long-term care options when care is needed, which magnifies the impacts of caregiving.
  • It’s About Care, Not Where

    It’s Long-Term Care Insurance Awareness Month. Stop! Before you come to the rash conclusion that “It’s nursing home insurance for old people. I don’t need that!” please just spend two minutes with this video. (And know that 80% of people who need care get it in their home!). Plus we have 10 "tweetable" facts about long-term care and long-term care insurance.
  • How to Take a Life Insurance Medical Exam

    What to expect: As a part of your health exam, the paramed will measure your height and weight, take your blood pressure, and collect blood and urine samples. Afterwards, the paramed will confirm the answers you provided on the health questionnaire you filled out as part of the life insurance application.
  • 7 Tips for Buying Long-Term Care Insurance

    Contrary to popular belief, long-term care insurance is not nursing home insurance. Think of it this way, if you have a chronic illness or become disabled and can no longer care for yourself for an extended period of time, you’ll need long-term care services. Long-term care insurance can help you pair for the care you need, in the setting you’d prefer, such as your home. Here are some tips on getting coverage:

Do you really need long term care insurance?

Start planning now.  Evaluate your long-term care needs and the options that work best for you.

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What can an annuity do for you?

A tax-deferred annuity is a long-term investment option ...

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How protected is your income?

Imagine if you suddenly lose your job due to an injury or illness ... 

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Top 10 Reasons You Need Life Insurance! You may find that life insurance is something you not only need, but truly want.

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