We “shop the market” to find you the best insurance value
We work for you, not the insurance companies.
We design a plan to fit your budget
We do a thorough analysis to balance needs versus budget.
We can find coverage for your lifestyle
Hard to place risks is one of out specialties.
Most common Denver Long-Term Care Insurance questions from our clients
Are the triggers to activate benefits a hybrid life insurance policy the same as on an LTC policy?
Yes, they are typically the same. That is being unable to perform at least 2 of the 6 activities of daily living (eating, toileting, transferring, bathing, dressing, and continence).
How are Life Insurance benefits paid for long-term care?
We work with only companies that pay benefits on an indemnity basis. This means the policyholder will not need to present bills or receipts to receive benefits.
The premiums on my current long-term care policy keep increasing. Should I keep paying or consider one of the new life insurance hybrid policies?
As hard as it may be to accept, it could make sense to pay the higher rate if you can still afford it as the benefits on the older plans are rich. Contact us at Mountain Insurance for a policy review to determine if this is still your best option.
