Alternative Solutions - LifeStyle Insurance Services, Inc.

We recognize there are alternative solutions to long term care needs and we want you to have a full portfolio of products. We have carefully researched these alternative solutions and selected companies that you can trust. You can be confident that we have chosen the best.

Our specialized administrative personnel will contract, train and answer your questions. This is an exciting area for you to explore. Take a look!

·		*Life Settlements -* Your clients may have life insurance that they no longer need, a universal life policy that is performing poorly, or they may have an immediate need for the funds. These are not viaticals; your client must have more than a two year life expectancy. We have contracts available with only the most professional, institutional purchasers of life policies. Our E & O policy also covers every agent involved in a LifeStyle Life Settlement transaction. Call our office, and dial extension 28 to check out this solution -you will be glad you did.
·		*Reverse Mortgages* -If your client is 'house rich' and 'cash poor', they may want to consider a reverse mortgage . It works in the reverse of a traditional mortgage and is a cross between a loan and an annuity. Your client receives a set amount of money each month, guaranteed as long as they live in their home. The loan is due when they leave the home or die. For a senior, this may be a better alternative than a home equity loan. We provide you with referrals to responsible lenders.
·		*Annuities -* Your client may not qualify or may have been declined for LTCI. Annuities can help solve this need or may also be the funding solution for a LTCI premium. Be careful in this area. Some annuities have pitfalls. As an example, many annuities with high commissions have high surrender charges. LifeStyle can help you in this area by referring you to a qualified annuity expert.
·		Medicaid - This is where you learn the basics: what to say, what not to say and when to refer to an elder-law attorney. Your clients may be misinformed or be completely uninformed.. We provide you with Medicaid guidelines and limits--how it works, what it does.