Genworth Financial Long Term Care

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  Genworth Financial insurance brokerage helps consumers build financial long term care security at key stages of their lives.  

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Long Term Cost of Care Overview

A priority focus for Genworth insurance brokerage is helping people create a secure retirement plan, including a sound strategy for dealing with the potential need for long term care costs. Two-thirds of people over age 65 will need long term care insurance in their lifetimes, but many Americans have not proactively planned for long term care costs.

Genworth insurance brokerage 2009 Cost of Care Survey can help families evaluate options and cover the growing cost of long term care.

What is Long Term Care?

Long term care is the type of care you may need if you have a prolonged physical illness, disability or cognitive impairment (such as Alzheimer’s disease). Consumers have several options available for long term care planning costs and needs:

  • Home Health Aides
  • Adult Day Health Care
  • Assisted Living Facilities
  • Nursing Home Care

What are my Long Term Care Options?

Another factor to consider when making long term care plans, is how to pay for the cost of care. Since the median cost of care ranges from $38,896 to $74,208 per year depending on the type of care needed, it’s important to find a way to pay for long term care costs. Options to cover long term care costs include:

  • Medicare: Supplemental Medicare Insurance (Medigap) 
  • Medicaid 
  • Self Insurance 
  • Long Term Care Insurance

Cost of Care Survey Methodology

The Genworth Cost of Care Survey was the first to publish cost of care results across 90 regions, touching every state. This year, Genworth expands the scope of the survey to help families, public policy representatives, financial planners and advisors, and others answer the question “What is the cost of long term care in my area?” This year’s expanded cost of care survey will cover 331 regions across America, including research within most Metropolitan Statistical Areas (“MSAs”).   See full explanation and results starting on page 165 of the 2009 Genworth Cost of Care Survey. 


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Genworth Life and Annuity Insurance Company
Address1 700 Main Street
Address2 -
City Lynchburg
State VA
Zip 24504
Phone Number -
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Insurance Brokerage provides you with the latest technology to search for the best term life insurance quote for your client-

Our brokerage spreadsheet quoting system allows you to examine "by underwriting class" all of our top companies as they apply to your specific client needs.

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Insurance brokerage affords the agent an easy way to access all of the forms for all of our companies.

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  P.O. Box 30248
  Charleston, SC 29417
  800-406-6303     843-769-9804 fax

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all the companies thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.



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