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A great resource that is available free for residents of Washington State from the Statewide Health Insurance Benefits Advisors office is a worksheet. This worksheet is designed to help individuals in Washington State who are considering purchasing a long term care insurance policy. The worksheet gives them suggested areas of interest they should pursue when comparing rates between companies.

Calling insurance agents for quotes can be a challenging exercise. Most insurance agents recognize the sensitive nature of long term care insurance and are there to offer their assistance. They ll need some information to help them determine a quote for the coverage that is required. Some of the information typically requested includes:

- The age of the person interested in long term care insurance coverage. Typically the younger you are, the less you can expect to pay in premiums.

- The state of health of the insured. If a person suffers from a history of serious health conditions, this will dir (more...)

Did you know that when you drive a new car off the dealer s lot that its value depreciates by almost 20%? So, you buy a nice, economical car for $20,000.00. You are feeling good about your purchase so you stop by the local burger joint to take the family out for a celebration dinner. When you get back in the car to go home the it will only be worth $16,000.00. WOW! How scary is that?

Now lets consider what would happen if you wreck that new car on the way home from the dealership. We ll assume that you financed the entire purchase price of the vehicle with the local bank. You are on the hook for $20,000.00. But, you did your homework and made sure that your automobile insurance was transferred to the new car prior to leaving the dealership. Nothing is hurt in the accident but your pride. You file a claim with your insurance company and they determine that the vehicle is a total loss. Bummer, but, you can start over from square one once you receive the $20,000.00 from the insurance company t (more...)