360 Wealth Planners

Is it too late for you to purchase long-term care insurance?

If you’re well into retirement or have a pre-existing medical condition, you may worry that your age and health will disqualify you from being approved for LTC insurance.

⏸️That may not be the case.

While youth and good health generally equate to lower premiums, there are options for older retirees.

Asset-based LTC insurance (sometimes called hybrid policies) costs more than traditional policies and still requires medical underwriting. However, because of the higher price point, many who don’t qualify for traditional policies are able to get coverage.

👉 The bottom line: earlier is better when it comes to LTC insurance, but if you’re late in the game, don’t disqualify yourself on an assumption.

Contact us to learn more.👇

Your balance sheet should support more than the bottom line.

As a business owner, your financial focus is easily monopolized by margins, growth, and operational efficiency.

What about you?

360 Wealth Planners helps you plan beyond P&L, balancing business and personal goals for a strategy that puts you in the driver’s seat–not your company.

👉 Retire on your terms
👉 Minimize taxes in high-income years
👉 Fund the lifestyle or legacy you’ve been putting on hold
👉 Protect your wealth from market and business risks

It’s time to prioritize your needs. Learn more below. 👇

How do you know if your business coverage is outdated?

You may need to review and update your insurance policy if:

1️⃣ Your business growth has outpaced your policy limits

2️⃣ You’ve added products, services, or expanded to another location

3️⃣ You’ve renovated your office since purchasing coverage

4️⃣ Your business has grown to depend on the niche knowledge or skills of certain individuals

If your policy no longer fits the bill, let us help you identify and minimize threats to your business.