ACTA Advisors LTC

08/14/2025

Financial Security and Peace of Mind is Important to YOU!

Long-term care insurance is one of the best ways to protect your assets and ensure your financial security. The costs of long-term care, through in-home assistance or a senior living facility, can be astronomical and can quickly deplete savings, especially if you don't have insurance to offset those expenses. Purchasing a policy while you're still in relatively good health ensures that you can access the care you need without risking your home, retirement accounts, or other assets. This peace of mind means you can focus on enjoying your life without the looming worry of how you will cover the rising costs of care.
Moreover, long-term care insurance helps you maintain control over your care options. Without coverage, you may be forced to rely on government programs, which often have limited choices and long waiting lists. With the right insurance policy, you can choose the type of care you want—whether it's at home, in a senior living facility—without worrying about how to pay for it. This flexibility is crucial in ensuring that your later years are as comfortable and dignified as possible, allowing you to preserve your quality of life.

Call 800-484-0272 or visit www.ActaLTC.com to explore your options.

07/20/2025

Did you know there are long-term care plans that ensure you never run out of your benefits? There are lifetime unlimited plans that offer tax-free benefits and there are long-term care plans that pay you cash.

You now have more choices and better options than ever before!
The options for long-term care plans can be confusing, and the stakes for your physical, emotional, and financial future are too high to feel uncertain about your decisions. Our trusted advisors will help you explore your options.

Call 214-484-0150 to find out if you qualify.

07/17/2025

Peace of Mind for You and Your Family—Why Long-Term Care Insurance Matters

One of the greatest gifts you can give yourself and your family as you get older is the peace of mind that comes from being prepared. Long-term care insurance provides this security by ensuring that, should you need help with daily activities or extended care, you have the resources to access quality services without delay. This removes the uncertainty and stress that often accompanies unexpected health events in later life.
Purchasing long-term care insurance earlier is especially wise because it’s typically more affordable and easier to qualify for coverage while you’re still healthy. Policies often include inflation protection, so benefits keep pace with rising care costs over the years, further enhancing your security. Acting now means you’re not only protecting yourself but also sparing your loved ones from having to make difficult caregiving or financial decisions in the future.
Ultimately, long-term care insurance is about more than just money—it’s about maintaining dignity, independence, and choice as you age. With a custom policy in place, you can focus on enjoying your retirement years, knowing that you and your family are protected from the unexpected challenges that may come your way. Click the link below to go to our website or feel free to call ACTA Advisors and we can answer any questions you have regarding long-term care insurance providers and benefit options.

www.ActaLTC.com
(800) 484-0272

Acta Advisors - Your Long Term Care Insurance Provider

06/17/2025

01/23/2025

This is free to download for anyone who has been diagnosed or loved ones of a person who has the diagnosis of Parkinson's.

Hospital Safety Guides provide useful tools and information to help a person with Parkinson’s during their next hospital visit, planned or unplanned.

11/07/2024

The options for long-term care plans can be confusing, and the stakes for your physical, emotional, and financial future are too high to feel uncertain about your decisions. Our mission is to help you achieve the best results possible regarding your financial and emotional wellbeing when you are confronted with a long-term care situation.

Call us today for a complimentary consultation or send us an email with your full name and phone number to have one of our experienced advisors reach out to you.

Acta Advisors
www.ActaLTC.com

[email protected]
800-484-0272

11/05/2024

Front page of Barron’s dated October 24th 2024 read:
"They Bought Insurance for Security in Old Age. They Got a Financial Nightmare Instead."
The article was quite intriguing and struck curiosity.
Here are a few items to pay attention to that grabbed our attention:
1. The article states “People who bought long-term care policies decades ago face a wrenching dilemma: Pay much higher premiums or brace for crippling bills to cover their care in old age.”
A few of the insurance companies (such as Genworth Life Insurance) who sold (the old long-term care insurance type) long-term care policies are raising premiums and some of the price spikes are over 100%. The reason for this premium price increase was because there were actuary errors and not enough data at the time to correctly price the premiums to cover claims filed later. The increase is to cover those who still have coverage with these companies that are no longer selling long-term care insurance.
There are insurance companies that are selling (new and improved) long-term care policies that offer a ‘Life Time Unlimited’ benefit. The ‘Life Time Unlimited’ benefit offers the policy holder coverage for the remainder of their life or as long as care is needed once a claim has been approved. This is quite the upgrade compared to the old plans that were available. Other insurance companies offer an option that if you never file a claim or utilize the policy, you can get you money back. These new policies are priced correctly and there is one company that offers policy holders a premium rate that is guaranteed to never change or increase.

2. Due to medical advances the population is surviving life-threatening illnesses. People are living longer and should be aware of the potential that they may need care later in life. The number one concern for the elderly is that they will run out of money from a long-term care situation. Statistics show that over 52% of people will need care by age 65. A lot of the older policies were Nursing Home only policies. Only 3% need care starting in a nursing home. 73% of care begins at home, 18% in an assisted living facility, and only 9% ever need skilled nursing facility care.

3. The Barron’s article also states “Medicare doesn’t pay for the routine help that most older adults will eventually need, and most families don’t have nearly enough saved to cover it. The system leans heavily on unpaid family and Medicaid as a safety net.” Now long-term care insurance plans offer home health care coverage and can even cover care-giver training for a family member so the policy will pay for them to care for you.

4. Launched in the 1970s, LTC insurance skyrocketed in popularity in the late 1990s as the oldest baby boomers turned 50 and began planning for retirement. Insurers priced it aggressively. The article goes on to say “Companies thought everything was rosy, because no one was filing claims,” Glickman says. “People hadn’t aged enough yet.” Now more people are turning 65 than ever before.

09/23/2024

What does long term care insurance cover?

Long-term care insurance can help pay for:
• Home health care
• Nursing home costs
• Assisted living facilities
• Adult daycare
• Care coordination
• Home modifications (such as outdoor ramps or grab bars for bathrooms)

Most people over 65 will need some type of long-term care support in their life and contrary to what many people believe, health insurance will not cover the cost of long-term care. Medicaid will not cover care if you have more than $2,000 in assets. Medicare will cover some long-term care costs, but only up to 100 days and only following a three-consecutive-day stay in a hospital, while undergoing treatment.

Taking care of your loved ones today and in the future is important to you. It’s why you create a financial strategy and it’s why that strategy should include how you would pay for long-term care.

Why should you address that now? Extended care can be very costly and having a strategy lets your family be involved in your care and help make choices about it—with you or on your behalf if you’re unable to do so down the road. Your plan should reflect your wishes. ACTA ADVISORS can assist you with creating a plan for your future. Visit www.ActaLTC.com for more information or call 800-484-0272.

09/23/2024

Ryan Reynolds opens up about his late fathers struggle with Parkinson's.

Ryan Reynolds says learning about hallucinations and delusions — two lesser-known Parkinson's symptoms — has provided key answers after his father's death. "At the time I just thought, 'My dad’s losing his mind,'" Reynolds says in PEOPLE's exclusive story.

07/08/2024

What is Asset Based Long-Term Care Insurance?

Asset based long-term care protection is a way for you to help pay for expenses should you require care at home or in a facility if you are diagnosed with severe cognitive impairment or if you are unable to perform the basic Activities of Daily Living (ADLs) independently.
Here at ACTA, we offer alternatives to traditional long-term care insurance.
You can live a long life with the security of having a long-term care strategy in place to cover the cost of care if and when needed, or leave a financial legacy for your loved ones if you don’t end up utilizing the insurance plan.
Having a strategy in place prior to a long-term care need provides options for you. A long-term care plan can help pay for services or care so loved ones don’t have to change their lifestyle to provide care. This strategy also helps protect retirement assets.