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increasing death benefit which grows by 4% per year. The policy is purchased for $99.00 per $100.00 of death benefit, which death benefit increases at 4% annually until death. Single premium life insurance is a guaranteed, tax- efficient product for Seniors seeking to pass wealth to their heirs. It is an ideal product for those buyers who are considering an annuity product but have no plans to access the funds. The New Era in Life Insurance has outstanding, guaranteed growth until it is transferred to your beneficiaries usually without taxes.
assets for the owners benefit while he/she may be incapacitated. Another important benefit is to transfer as much of the assets as possible to the beneficiaries income tax free. The policy comes with an Accelerated Benefit Terminal Illness Rider. In the case of long-term-care, the Rider may be exercised. The Rider will pay 75 equal monthly payments based on 75% of the death benefit. Upon death, there will still be 25% of the original death benefit remaining in addition to those monthly payments which have yet to be paid, for the beneficiaries. The Wealth Protector is a Medicaid Qualifying annuity program designed to protect assets against the disastrous financial effects of long-term care without on-going long-term care insurance premiums. The annuities help you to save much of your estate from many of the costs associated with a prolonged illness. This is done through specially designed Single Premium Immediate Annuity used at the time of long term care. On February 8, 2006, Congress passed the Deficit Reduction Act of 2005. It has several significant changes to the previous Medicaid laws that were Part of the Omnibus Budget Reconciliation Act of 1993. It is that previous “OBRA ’ 93,” that was the basis for present day Medicaid Planning. We do not know how expeditiously individual State Offices will begin using the important changes to Medicaid Law. THE ESTATE SAVER is a Single Premium Pure Endowment Life Insurance contract with no cash value. THE ESTATE SAVER is an ideal way to protect your assets against any unscrupulous acts by your Power of Attorneys. When the policy matures, you get all your assets back in addition to any growth which may have occurred. In the case of death prior to maturity, the Company will pay a post-mortem dividend according to the Policy Illustration. The Policy may be written for a three, five or ten year term, depending on the health and/or age of the insured. |
| Disclaimer *Please be certain to obtain necessary legal, financial and/or professional help. We cannot be responsible for State Laws, Rules or Procedures which may have changed. Barry Rahm Insurance does not provide legal or tax advice. |
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| LTC Asset Protection and Medicaid Eligibility for Singles and Marrieds. The Best Plan for Long-Term-Care and Nursing Homes |
| Asset Protection Eligibility for Nursing Homes* |
| Please call or email for a free illustration and any questions you may have. Barry Rahm Barry Rahm Insurance 1074 Diamond Crest Court, Santa Barbara, CA 93110 Phone Toll Free 800-255-1932, Local 805-683-6311 Fax 805-683-6313, Cell 805-455-4611 Email to barryrahm@verizon.net Home Bulletins Products Forms Software Brochures |
| THE CAPITAL TRANSFER Single Premium Whole Life Insurance Policy with Terminal Illness Rider & No Cash Value |
| THE WEALTH PROTECTOR Medicaid Friendly Single Premium Deferred Annuity Medicaid Friendly Single Premium Immediate Annuity |
| THE ESTATE SAVER Single Premium Endowment Life Insurance Policy with No Cash Value |
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| Products Page Barry Rahm Insurance Serving Agents for over 35 Years Email to barryrahm@verizon.net 800-255-1932 Asset Protection & Qualification for Medicaid Eligibility for Nursing Homes* Guaranteed-Issue Single Premium Life Be sure to check out The Bulletins *Before proceeding, please see disclaimer at bottom of page. |
| The New Era In Life Insurance Single Premium Whole Life Policy with Increasing Death Benefit |