Life Insurance - MS Estate Planning

Of course long term care expenses are just another form of living expense and the cash value build up in some permanent life insurance contracts could also be used to pay long term care costs, even without the long term care rider.

Because in each case, benefits (or cash) are being paid out in advance of the death of the insured, the advancement for long term care costs will have an impact on the death benefit ultimately received by your heirs. ?In some cases, the death benefit may be entirely gone. ?In others the death benefit may be greatly reduced.

Excerpt from The Complete Guide to Estate and Financial Planning in Turbulent Times (Collaborative Press, 2011) - Walt Dallas, Contributing Author

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Source: http://blog.estateplanning123.com/2012/12/life-insurance-i-am-more-worried-about-long-term-care-than-i-am-about-savings-or-death-benefit-is-li-1.html

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