Gurley LTCI associates value diversity and support an inclusive environment. We are especially aware of the challenges of our aging gay and lesbian population, the risk of needing long-term care and that LGBT elders are more likely to be estranged from their families, childless and deprived legal rights that straight couples rely on as they age. Long-term care insurance can provide the resources to enable LGBT elders to age in place in their own home with caregivers of their choosing. It can also help protect savings, investments and a loved one’s standard of living.
We represent only top-rated insurance carriers and assist clients with the full spectrum of long-term care insurance solutions in the market today. These include traditional pool-of-funds products and hybrids which are life insurance and annuity based products.
Our associates hold the CLTC, Certification in Long-Term Care, designation and focus exclusively on long-term care expense planning. We meet with clients privately either face-to-face or via webinar and teleconference. Today’s technology enables us to securely and efficiently exchange information, streamlining the planning process for clients.
Our three-step process – 1) gather information, 2) educate and make recommendations and 3) complete application if appropriate – simplifies the process for clients.
Many in the LGBT community are business owners and part of our information gathering is to assess whether an individual, multi-life or group product is the optimal solution. Programs designed for businesses can be structured in a number of ways and may afford attractive tax advantages for the business owner or corporate entity.
Gurley LTCI associates don’t leave anything to chance. We manage the entire process for you. Here is a list of our services:
•Long-term care expense planning
•Underwriting prescreening
•Carrier and product recommendations for individuals and business owners
•Customized policy design
•Funding strategies
•Appeal process management
•Discount programs for professional organizations and business owners