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ljinvestor
ParticipantI am in the industry and in general the Lincoln MoneyGuard product has been a good option for many individuals because the insured has the ability of money back guarantee, death benefit, and/or LTC benefits. Its not a “use it or lose it” LTC policy. They either use LTC benefits during lifetime or beneficiary gets a death benefit.
Unfortunately, I think your parents waited too long to address LTC and won’t get much (if any) bang for their buck. MoneyGuard only issues to age 80 and this Reserve product only offers the money back guarantee if issued by age 65. An example for a 65yo female in good health putting $100k single premium into the product is as follows.
$100,000 money back guarantee,or
$166,339 death benefit, or
$499,017 in reimbursment LTC benefits (max $6,931 a month)Much more fine print to the product but that is the basic premise. They would also have to be healthy enough to get it issued
Participantearlyretirement- currently what do you consider is the best deal in Santaluz for under $1.2 million.
Also, any nice developments in RSF or Del Mar area where you can get 3500sf+ home for under $1.2 will reasonable HOA and little to no MR?
Participantearlyretirement- currently what do you consider is the best deal in Santaluz for under $1.2 million.
Also, any nice developments in RSF or Del Mar area where you can get 3500sf+ home for under $1.2 will reasonable HOA and little to no MR?
Participantearlyretirement- currently what do you consider is the best deal in Santaluz for under $1.2 million.
Also, any nice developments in RSF or Del Mar area where you can get 3500sf+ home for under $1.2 will reasonable HOA and little to no MR?
Participantearlyretirement- currently what do you consider is the best deal in Santaluz for under $1.2 million.
Also, any nice developments in RSF or Del Mar area where you can get 3500sf+ home for under $1.2 will reasonable HOA and little to no MR?
Participantearlyretirement- currently what do you consider is the best deal in Santaluz for under $1.2 million.
Also, any nice developments in RSF or Del Mar area where you can get 3500sf+ home for under $1.2 will reasonable HOA and little to no MR?
ParticipantSince this is your first one I would recommend purchasing closer to home. Also, be patient and wait for a great deal. Don’t go in thinking that the place is you buy is going to go down the next few years. Find a deal that is 20% lower than comps now so you have some safety net.
ParticipantSince this is your first one I would recommend purchasing closer to home. Also, be patient and wait for a great deal. Don’t go in thinking that the place is you buy is going to go down the next few years. Find a deal that is 20% lower than comps now so you have some safety net.
ParticipantSince this is your first one I would recommend purchasing closer to home. Also, be patient and wait for a great deal. Don’t go in thinking that the place is you buy is going to go down the next few years. Find a deal that is 20% lower than comps now so you have some safety net.
ParticipantSince this is your first one I would recommend purchasing closer to home. Also, be patient and wait for a great deal. Don’t go in thinking that the place is you buy is going to go down the next few years. Find a deal that is 20% lower than comps now so you have some safety net.
ParticipantSince this is your first one I would recommend purchasing closer to home. Also, be patient and wait for a great deal. Don’t go in thinking that the place is you buy is going to go down the next few years. Find a deal that is 20% lower than comps now so you have some safety net.
Participantflu- who did you use for refi
Participantflu- who did you use for refi
Participantflu- who did you use for refi
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