Mailing-List: contact cygwin-help AT cygwin DOT com; run by ezmlm List-Subscribe: List-Archive: List-Post: List-Help: , 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" 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" Subject: , new information... Date: Tue, 3 Dec 2002 06:13:33 -0800 MIME-Version: 1.0 Content-type: text/plain; charset=US-ASCII X-SMTPExp-Version: 1, 0, 2, 13 X-SMTPExp-Registration: S12I500R1AX70C0R2200 Note-from-DJ: This may be spam Content-Transfer-Encoding: 8bit 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/