Mailing-List:	contact cygwin-help AT cygwin DOT com; run by ezmlm
List-Subscribe:	<mailto:cygwin-subscribe AT cygwin DOT com>
List-Archive:	<http://sources.redhat.com/ml/cygwin/>
List-Post:	<mailto:cygwin AT cygwin DOT com>
List-Help:	<mailto:cygwin-help AT cygwin DOT com>, <http://sources.redhat.com/ml/#faqs>
Sender:	cygwin-owner AT cygwin DOT com
Mail-Followup-To:	cygwin AT cygwin DOT com
Delivered-To:	mailing list cygwin AT cygwin DOT com
x-esmtp:	1 1 1
Message-ID:	<83410-22002122314133331@zipdrip.com>
Reply-To:	reply DOT 165515 AT zipdrip DOT com
From:	"Rob Ritchie" <RRitchie680 AT cs DOT com>
X-Report_Spam:	Forward suspected spam messages sent by a ZIPDRIP user as an attatchment to abuse AT zipdrip DOT com
X-NOSpam_Policy:	http://www.zipdrip.com/nospam/
To:	"cygwin AT sources DOT redhat DOT com" <cygwin AT sources DOT redhat DOT com>
Subject:	, new information...
Date:	Tue, 3 Dec 2002 06:13:33 -0800
MIME-Version:	1.0
X-SMTPExp-Version:	1, 0, 2, 13
X-SMTPExp-Registration:	S12I500R1AX70C0R2200
Note-from-DJ:	This may be spam
X-MIME-Autoconverted:	from quoted-printable to 8bit by delorie.com id gB3EY3E01869

Dear Friend, Hi! I hope everything is going well with you.
Insurance Agents like me are constantly having to evaluate new
products, new hybrids, etc. I wanted to let you know about one of
these "newish" products -- life insurance that actually includes
provisions (in the form of riders) for long-term care. Is this a
good deal? Well, it depends. But, to be honest, if you are
looking for something that will cover your expenses if you need
to be cared for on a long-term basis, life insurance is a poor
substitute for long-term care coverage. Life insurance with
long-term care riders offers two options: 1) An acceleration
rider that allows you to get an advance on your death benefit;
and, 2) an extension that increases the benefit to provide for
long- term care expenses. These riders vary by company, with some
allowing you to collect a percentage of the death benefit each
month and others that reimburse your policy for long-term care
expenses you incur, thereby keeping your death benefit the same.
There are two potential problems with the riders: * Some of them
require substantial deterioration in your health before you can
collect benefits. * They don't have monthly benefits that pay
anywhere near the full costs you would incur for long-term care.
As an example, a one-year stay in a nursing home can cost
anywhere from $30,000 to $60,000 or more, depending on the level
of care you need. Long-term care options in life insurance likely
won't provide more than a fraction of these amounts. Despite
this, the long-term care rider in life insurance could be an
option for people with a fairly high income level and significant
assets. Again, I hope everything is going well! Sincerely, Rob
Ritchie www.RRitchie-Ins.com RRitchie680 AT cs DOT com PS: Friend,
please call our office if you have any questions about life
insurance, term or otherwise - or any other part of your
financial planning and protection. Or you can email me. Just hit
"reply" and send me a message. I'll get back to you as soon as I
can! 


__________________________________________________________________

To modify your subscriber options or stop future messages, click
below:
http://www.friendlyemails.com/u.asp?s=165515


--
Unsubscribe info:      http://cygwin.com/ml/#unsubscribe-simple
Bug reporting:         http://cygwin.com/bugs.html
Documentation:         http://cygwin.com/docs.html
FAQ:                   http://cygwin.com/faq/

- Raw text -