Logo, The Long Term Care Specialist 
   Planning for Long Term Care
                   for Advisors
June, 2000
 
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In This Issue
Article Headline
Featured Article
High Net Worth and Long Term Care Insurance 
Agr 60 couple on vacation
 High net worth people say they can self-insure against the risk of needing Long Term Care services.
Can they?  Should they?
Ray Smith, CLU, CLTC, MBA
The Long Term Care Specialist
Photo, Ray Smith
 
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Greetings!
Thank you for reading the first of what I hope will be a relevant and informative monthly email newsletter.  I welcome and actively encourage your feedback.
 
Long Term Care insurance is not always the best solution to the Long Term Care problem, but planning always is.
 
Your client relationships are the lifeblood of your business.  Let me help you reinforce those relationships by adding professional long term care planning to what you offer.  Your clients will appreciate it...and they won't look elsewhere for service. 
High Net Worth and Long Term Care Insurance
A60 couple on vac, 25%
Should a person with $2.0 million net worth consider long term care insurance?  What about $10M?  $50M?  Bill and Melinda Gates?  I am often asked how much net worth a person needs to self-insure... 
Who Should Not Buy Long Term Care Insurance 
People with low income and net worth should not buy long term care insurance.  They have...
    
A financial plan that doesn't address how long term care services will be paid for is not a complete financial plan. 
Sincerely,
 Ray Smith
 Raymond Smith, CLU, CLTC, MBA
The Long Term Care Specialist