Gurley Long-Term Care Insurance is a general agency specializing exclusively in long-term care insurance solutions.
Our mission is to safeguard our clients from the expense of long-term care by educating them about issues surrounding care and providing appropriate insurance solutions. We help our clients understand what long-term care is, how it differs from traditional healthcare, the risk of needing care, the cost of long-term care, the three funding options and much more. Based on health history and financial goals, we recommend appropriate solutions to meet our clients’ financial needs. Our expertise includes customized solutions for individuals and couples, executive carve-outs and multi-life discount programs for small business owners, guaranteed issue group programs for large employers and affiliation discount programs for professional organizations. Our three-step process is designed to streamline long-term care expense planning for our clients.
Because we represent many A-rated carriers we are able to present multiple carriers and options to our clients. We can assist with traditional pool-of-funds products as well as hybrid solutions that combine life insurance or annuities with long-term care riders. Today, the underwriting process is more challenging than ever before and our expertise enables us to offer our clients the best opportunity for coverage at the best possible rates.
For clients who are uninsurable or need assistance now, we can help with medically underwritten annuities that create an income stream for life that can be used to pay for long-term care expenses.
We believe that planning for long-term care expense is an important component of financial planning and critical to financial security. We help our clients determine if long-term care insurance is the appropriate funding option to meet their financial goals.