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Preparing for the Unexpected with Living Benefits
- carmen29018
- Oct 12
- 2 min read
I just got off the phone with one of my clients she’s 51 and Kirk her husband is 54.
Both are taking care of their mothers in their home with dementia!
Stacey said on most days it’s a struggle to keep them both under control in the house taking their meds and just safe from harm. She literally thinks she's loosing her mind.
She told me last night they called a family meeting with Kirk’s 2 older kids and their 4 children together. The last thing they want is for their children to have to take care of them.
They confessed they were embarrassed as parents and didn’t do the properly planning early on to save for long term or critical care insurance.
When we met I gave them an affordable option which gives them complete control over the money so the the kids as well as Stacey and Kirk would not have to the government and the state of MO meddling in their personal financial accounts.
We all know life can throw curveballs. That’s why some life insurance policies offer disability riders and living benefits — features that provide access to funds if a serious illness or injury keeps you from working.
It’s a layer of security that can help cover medical bills, mortgage payments, or other needs — without dipping into savings.
Many people don’t realize they already have this protection (or that it can be added).
Let’s do a quick review to see if your policy includes these benefits — or if it should.
**Note Our coverage includes Alzheimer’s! Benefits start at $10,000 to $100,000
If you would like a quote or a full brochure emailed to you just contact me below.
Our health and the protection of our children’s emotional and future financial capacity should be an important concern.
Carmen Hornberger
CEO Benefits To Go LLC
314.393.4037
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