policies and are trying to determine which type is best for them. One of the biggest objections to buying a long term care policy is that if the benefit is never needed the premiums paid for the policy will be wasted. This is somewhat like buying automobile insurance. You have to pay the premium in order to get your car repaired. But what if you never have an accident. Is that considered losing your premium? Funny isn't it? People hardly question paying for car insurance, but they frequently resist doing so for a long term care policy. So... what if you could always get your premium back - guaranteed - if you never require any long term care? And, what if you die before receiving long term care? Wouldn't it be great if your loved ones could recover 100% of your premium expense? How about this? You actually use up all of your long term care benefit. And then you die. What if your family could still get back 10 percent of your premium. Now if you know anything about long term care policies you're probably wondering why you haven't heard of this type before. One reason is because it is non-traditional and not included in the mainstream marketing of long term care policies. Another is because it takes a large sum of money to buy the policy. $50,000 is typical and it's a one-time single premium, which means you will never get stuck with a premium increase. It is not uncommon for people between 60 and 70 to have large sums of money stashed away in bank CDs earning low interest. Kind of an emergency fund. Transferring a portion of this fund into the policy makes sense because the money continues to earn interest. Besides, it usually pays more than the bank... plus, the policy interest is tax deferred. It's also common for people this age to have old life insurance policies with significant cash value. Many times it's possible to transfer the cash into the long term care policy and still retain a meaningful death benefit. And the future long term care benefit could easily be worth over one million dollars. This policy has a 90 day waiting period before benefits are paid. The length of the benefit can be as short as 4 years or as long as your lifetime. You can also get a 5% compound interest inflation protection rider to help keep up with the rising cost of care. The name of this policy is MoneyGuard. It is a universal life insurance policy with a long term care rider. The issuing life insurance company is Lincoln Life, a subsidiary of Lincoln Financial
piece
is
an
abstract
triptych
that
I
found
while
I
was
in
Atlanta
buying
religious
paintings
The
piece
was
called
Guardian
Angel
and
I
love
it
My
patrons
fell
in
love
with
it
as
well
They
have
asked
me
to
track
down
the
artist
and
see
if
he
has
anymore
religious
paintings
available
The
only
religious
paintings
that
I
actually
do
not
buy
are
ones
that
reflect
the
image
of
Jesus
on
the
cross
I
don’t
have
a
problem
with
them
some
of
them
are
extremely
well
done
and
would
more
than
likely
sell
well
but
my
investors
made
it
very
clear
when
they
financed
the
gallery
that
I
would
not
put
that
image
into
it
PPPPP
683
Ajello
Candles
The
motto
of
the
Ajello
Candle
Company
is
“It’s
better
to
light
a
candle
than
to
curse
the
darkness”
This
candle
making
company
has
been
in
business
since
1775
The
business
has
been
family
owned
for
seven
generations
The
candles
from
Ajello’s
are
well
known
for
their
beauty
and
quality
While
they
make
more
candles
now
than
in
1775
their
dedication
to
quality
and
to
customers
has
never
changed
The
Ajello
Candle
Company
was
founded
by
Rafael
Ajello
an
Italian
painter
He
was
also
a
beekeeper
so
he
tried
his
hand
at
using
bees
wax
to
create
candles
He
worked
hard
to
create
a
formula
that
worked
well
The
formula
combined
with
his
outstanding
artistic
ability
lead
to
the
birth
of
the
Ajello
Candle
Company
In
1785
the
company
earned
the
honor
of
creating
all
the
candles
for
the
Vatican
He
and
his
wife
ran
the
business
keeping
their
children
involved
in
the
processes
from
an
early
age
As
time
went
on
their
children
and
grandchildren
kept
the
business
running
as
well
as
passed
the
family
business
on
to
their
children
By
1862
the
company
had
established
itself
as
a
leader
among
the
candle
making
industry
They
had
also
added
perfumes
and
many
.
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