Headquarters:

888 W Big Beaver Rd. Suite 112, Troy, MI 48084

Phone: (888) 267-1321 | clientservices@citycenterfinancial.com

Advisory services offered through City Center Advisors, LLC a Registered Investment Advisor.  Insurance products offered through City Center Financial, LLC.  City Center Advisors, LLC and City Center Financial, LLC are affilliated entities.

City Center Advisors, LLC and City Center Financial, LLC do not provide tax or legal advice.  The information presented on this website is not specific to any individual’s personal circumstances.  No information contained in this website is intended to be tax, legal or investment advice.  Individuals should consult with their own tax, legal and investment professionals.

This website does not constitute a solicitation to purchase or sell securities in any jurisdiction in which City Center Advisors, LLC is not registered.  City Center Advisors, LLC is registered in the states of Michigan, New Jersey and Colorado.

City Center Advisors, LLC and City Center Financial, LLC are not affililiated with the Social Security Administration or any government organiztion.

 

© 2015 - 2017 by City Center Financial, LLC.

Long-Term Care Planning

If you are experiencing or have experienced the pain of seeing a loved one try to figure out and pay for Assisted Living Facilities, Nursing Homes, or In-Home Care, and are considering purchasing Long-Term Care Insurance, STOP!

City Center Financial, LLC has long-term care specialists ready to help you put together a comprehensive long-term care plan in place.  It is important that you properly identify how much long-term care insurance you need, and that that you do not make the mistakes that could cost you thousands of dollars in long-term care costs or premiums. 

 

Call us today to schedule an appointment, or fill out the form  on this page to recieve a free report that is ideal for anyone who is concerned about the costs of long-term care, or how to best plan for their long-term care services.

Make sure to receive this report before purchasing long-term care insurance of any kind. It could save you hundreds if not thousands of dollars!  Fill out the form on this page or call to speak to one of our Long-Term Care Experts today.

Affordable Long-Term Care Insurance

Dave Hardin - RFC®
Founding Partner

City Center Financial, LLC

Q: "Dave, What do you mean by 'affordable'."

A: "Most people have heard the horror stories of people getting hit with 130% increases in insurance premiums on traditional long-term care policies.  The good news is that there are other options to cover costs that aren't 'use it or lose it'  policies and have guaranteed premiums and benefits.

I started selling insurance in 1977, and I've seen the good the bad and the ugly of the insurance industry. I can tell you confidently that the innovation in long-term care solutions has never been more affordable or more robust than it is today."

As Seen In...

We proudly serve the Lansing, Port Huron, and  southeast Michigan communities for long-term care solutions.  Troy, Bloomfield Hills, Rochester, Sterling Heights, Rochester Hills, Birmingham, Beverly Hills, Warren, Southfield, Utica, Auburn Hills, West Bloomfield, Franklin, Clawson, Farmington Hills, and the surrounding communities.  We would be honored to serve you and your family. Schedule an appointment today.

Types of Long-Term Care Insurance Coverage

Traditional LTC Insurance

Pros:

1. Lowest Intial Cost

2. Provides Reimbursement for Services

3. Able to be purchased with payments

4. Highest per day LTC benefit for premiums paid

Cons:

1. Premiums Not Guaranteed

2. Gets More Expensive With Time

3. "Use it or Lose it"*

4. Benefits Often Restricted

Indemnity LTC Policies

Pros:

1. Benefits are paid directly to the insured

2. Flexible use of benefits

3. Full Benefit is paid for any amount of services recieved

4. Simple to File a Claim

Cons:

1. Premiums Not Guaranteed

2. Gets More Expensive With Time

3. "Use it or Lose it"*

Cash Value LTC Policies

Pros:

1. Benefits are paid directly to the insured

2. Flexible use of benefits

3. Benefits are used for LTC or paid to the insured's heirs

4. Premiums are Guaranteed

Cons:

1. The Most Expensive Option

2. Lowest Benefit for Premiums Paid

3. May need to be underwritten for Mortality and Morbidity

Request An Appointment Today

Fill out the form below and one of our representatives will contact you to schedule your no-obligation consultation to address your long-term care planning questions.