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A Better Way to Talk About Healthcare Costs
The high cost of healthcare is the biggest retirement worry for Americans.1 But many aren't preparing for it because they don't know how. You can show your clients how life insurance can help. Use our articles and tools to explore the options, dispel healthcare myths, and talk to your clients about this big retirement concern.
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2. Know their Mindset
Your clients have many misconceptions about healthcare in retirement. Give them a healthcare expenses reality checkup.
3. Start the Conversation
When you understand the healthcare challenge, you can start talking about chronic illness in retirement with your clients.
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Actions Healthcare costs may be a lot more than your clients expect. But they can prepare for these expenses before they retire. Hear Prudential experts explain how life insurance can help.
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Actions Solutions and Tools that Can Help, All from an Industry Leader
When your clients buy life insurance to protect the people they love with a death benefit, they may be surprised by how a permanent, cash value policy may also provide supplemental income that can help with medical costs.
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Actions A Source of Supplemental Income For Healthcare Costs
Permanent, cash value life insurance can be a good choice for clients who prefer another potential resource during retirement. These policies can accumulate cash value that can be accessed typically income tax-free:2
- To help pay expenses, like in-home care or home modifications.
- To help offset healthcare costs.
A Source of Supplemental Income For Chronic or Terminal Illness
The BenefitAccess Rider4 provides clients with the option to accelerate their policies’ death benefits if they become chronically or terminally ill.3 It also provides:
- The ability to advance up to 100% of the policy’s death benefit, once qualified.
- No restrictions on how the benefits are used.
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Actions Explore More Retirement Challenges
Add More Life to help solve some of these challenges without causing others.
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Actions If you’re already appointed with Prudential, visit PruXpress to explore more about the healthcare retirement derailer and materials you can use with your clients and prospects.
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- 1 http://www.chicagotribune.com/business/ct-retirement-medical-bills-0218-biz-20150217-story.html
- 2 Cash values are accessed via loans and withdrawals. Unpaid loans and withdrawals reduce cash values and death benefits and may have tax consequences.
- 3 Subject to the terms and conditions of the rider.
- 4 The BenefitAccess Rider is an optional rider that accelerates the life insurance death benefit when the insured is terminally ill or is chronically ill as defined in the rider. It is not Long-Term Care (LTC) insurance. Benefits received under the rider will reduce and may deplete the death benefit. Electing the BenefitAccess Rider results in an additional charge and underwriting requirements. Some benefit payments may be subject to a fee. Other terms and conditions apply and can vary by state. Clients should consult their tax and legal advisors.
For New York contracts: Please also note the rider is not subject to the minimum requirements of New York law, does not qualify for the New York State Long-Term Partnership Program, and is not a Medicare supplement policy. In addition, receiving accelerated death benefits may affect clients' eligibility for public assistance programs and such benefits may be taxable. Benefit payments may only be made if the payments are subject to favorable tax treatment by the federal government. When determining whether the benefit payments will receive favorable tax treatment, the payment of benefits from all insurance policies must be considered. Benefit payments may be reduced or unavailable if they are expected to exceed the maximum amount eligible under Internal Revenue Code Section 101(g)(1) and all other applicable sections of federal law for favorable tax treatment.
For most Connecticut contracts: For most Connecticut contracts: To be eligible for chronic illness benefits, your client must also have been confined in a home or institution for at least 6 months previously. This confinement must have been illness related. It also must be expected to continue for life.
Life insurance is issued by The Prudential Insurance Company of America, Pruco Life Insurance Company (except in NY and/or NJ), and Pruco Life Insurance Company of New Jersey (in NY and/or NJ). All are Prudential Financial companies located in Newark, NJ.
Created Exclusively for Financial Professionals. Not for Use with Consumers.
For Compliance Use Only: 1005874-00003-00
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