RELAX.
PLAN.
LIVE.
LTCA Legacy Planning is a friendly and professional Medicare Supplements insurance agency here in Wilmington NC. We focus on providing you with all you need to enjoy a sound financial future.
At LTCA Legacy Planning, we treat every client like family and use our vast knowledge to safeguard what matters to you.
Our experts will go over and above to help you reduce risks, enhance your earnings, and get optimum value of your insurance dollars.
Having been in business for over 35 years, we know how important preparation is. It is hard enough to think about what may happen especially when it comes to tragedies and losses.
But with the experts here at LTCA Legacy Planning, we’ll help you make sound financial decisions. Plans that will benefit you, your legacy, and those that matter to you.
WHAT WE OFFER
To help you make informed decisions in protecting your future, we offer comprehensive solutions that include:
Medicare Supplements | Fixed Index Annuities | 1035 Exchanges | Long Term Care Insurance | Life Insurance
For more information about our services, call us or send us a message using the contact form below.
WHY WE STAND OUT
LTCA Legacy Planning has been in business for over 35 years where we’ve helped hundreds of clients with their insurance needs. When you come to us, we’ll use this experience to provide you with the best solution based on your needs.
At LTCA Legacy Planning, our main focus is helping you to choose an insurance coverage that best suits your needs and budget. Whether you need help with your Medicare supplement or you need help with estate administration, we are at your service.
While seeking Medicare Supplements or even estate administration services, you need an agent you can trust. You need a person who will take your needs like her own and provide the best solution for your dilemma.
Well, LTCA Legacy Planning is all this and much more! Our insurance experts will ensure that you get solutions that are beneficial to you and your loved ones.
At LTCA Legacy Planning, we know how hard it is to suffer tragedies or losses. Also, we know the pains of living in fear of the unforeseen.
When you come to us, Our Life, 1035 Exchange, and Long Term Care Experts will offer undivided attention and personalized services you’ll love and enjoy. We’ll equip you with the tools you need to keep your legacy safe whatever happens now or in the future.
SERVICES
MEDICARE SUPPLEMENTS
Medicare Supplements can be very confusing with all of the “letters”.
The four (4) Parts of Medicare have letters A – D. The Medicare Supplement Plans also have letters (currently A, B, D, G, high deductible G, K, L, M, and N for Medicare first eligible participants).
– Medicare Part A covers Hospital inpatient care and Skilled Nursing Facilities.
– Medicare Part B covers doctor services, lab tests, and hospital outpatient – care.
– Medicare Part C are Medicare Advantage Plans (like HMO or PPO) and usually includes Part A, B, and prescription drug coverage.
– Medicare Part D helps cover the cost of prescription drugs.
Then there are Medicare Supplement Plans to cover the other 20% that Medicare does not pay.
FIXED INDEX ANNUITIES
Fixed Index Annuities have certain guarantees and are best for long term, tax deferred performance. Some pay a Bonus upfront. There are no yearly administrative fees or upfront load charges. These insurance products are ideal for transfers from low interest savings accounts, CD’s, and retirement plans (i.e. 401(k)’s, 403(b)’s, and IRA’s).
These contracts allow you to earn from stock market gains (via an outside index), but you do not lose a dime in time of stock market losses. Your principal and earnings to date are protected and not subject to the volatility of the Stock Market.
1035 EXCHANGES
If you have an older life insurance policy, it may be prudent to “exchange” that for an up-to-date combination life and long term care insurance policy. The Pension Protection Act (PPA) became law in 2010. It allows for an existing annuity or life insurance contract to be exchanged for a new one that includes LTC benefits. The act encourages individuals to buy LTC insurance by providing tax advantages to those who exchange existing annuities or life insurance for linked-benefit annuity contracts or life insurance policies that also provide LTC benefits. If you do not use the Long Term Care benefit, your beneficiaries will always have the life insurance proceeds.
Life Insurance
When considering getting an insurance coverage, life insurance should definitely come on top of your list. Besides being relatively affordable, life insurance will help in securing your dependents’ future in case you lose your income.
Also, in the event of death, the sum insured will help in paying off mortgages or other outstanding debts.
At LTCA Legacy Planning, we have just the perfect life insurance solution for you. all you need is to make that call or send a message and we’ll take it from there.
And like we’ve been doing for over 3 decades, we’ll help you to purchase the best life insurance coverage.
So, call now and book your appointment with our life insurance expert.
Medicare Supplements
If you qualify for Medicare, you have the option of getting a Medicare Supplement. These insurance options are made to fill the ‘gap’ that resulted from taking A or B Original Medicare coverages.
To make this process simpler and faster, you need to work with the right insurance agent. You need an expert who will walk with you from start to finish.
With LTCA Legacy Planning, you don’t have to get overwhelmed by the complex Medicare process. Our professionals will help you to fully understand the process and also, make it easier for you to make the perfect choices.
Estate Administration
Are you searching for a professional and experienced estate administration expert in North Carolina? Well, look no further as the experts at LTCA Legacy Planning are at your service.
In the event of the death of a loved one, so many things can go wrong in your attempt to cope with the loss. You have demands you need to meet and numerous probate obligations you ought to meet.
Still, you may need to transfer property, pay bills, and take care of other pressing tasks.
To help you handle all these and much more, the estate administration team at LTCA Legacy Planning is at your service. We’ll address your concerns and help in resolving any issues regarding your estate.
And if your loved one did not leave a will, our experts will assist you to understand the process you need to bring things in order.
For more inquiries regarding our estate administration services, please contact us. And like always, we’ll address your concerns fast and with clarity.
CONTACT US
Getting long term care insurance, medicare supplements or life insurance coverage does not have to be hard. Better still, with LTCA Legacy Planning, you don’t have to lift a finger to get any of these insurance coverages.
We work with some of the leading insurance companies in the USA which is your guarantee of getting the best benefits. And if you need estate administration services, we are here to help with this as well.
To know more regarding our services, please call us or use the contact form here to send us a message.
We look forward to engaging with you today, it is a delight to serve you today.