November is Long-Term Care (LTCi) Awareness Month and Encore Financial is happy to acknowledge the American Association for Long Term Care Insurance and their good work. LTCi is a critical component of all financial plans and the IRS has announced increased tax deductions for Long Term Care Insurance premiums paid in 2010.

2010 limits by age:

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$ 330 - 40 or less

620 - 41 to 50

1,230 - 51 to 60

3,290 - 61 to 70

4,110 - 71+

Long Term Care Insurance is a necessary precaution for millions of Americans to assure appropriate care and preserve family assets from the potentially huge expense of long-term care.

But, not everyone is a prospect for traditional long term care insurance. Asset-based long term care insurance, integrated with either life insurance or annuity, can provide an excellent, cost-effective alternative to traditional long term care insurance.

The likely prospective applicant for asset-based long term care insurance is over age 50 with a need for liquidity, life insurance and long term care insurance.

Benefits of Long Term Care Insurance, integrated with Life Insurance:

- Builds personal assets

- Death benefit increases estate for heirs

- Long Term Care Insurance benefit protects assets and assures care

- Relieves children from becoming care givers

- Liquidity

- Tax advantages

Not all asset-based long term care insurance plans are alike. Some are dramatically superior. We have the quality programs.

Patrick Bonnett, President / CEO

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Insurance products are offered independently through separate insurance carrier arrangements, Patrick Bonnett, General Agent, Nebraska Resident License #AG216945; *Estate, Trust, Wills and other Wealth Transfer documentation services provided through National Family Trust, Inc. and Pre-Paid Legal Services Inc., Patrick Bonnett, Representative; Contract Notary Closing Services provided by Patrick Bonnett, General Notary Public, My Comm. Exp. May 31, 2010; Encore Financial is an Accredited Member of the Better Business Bureau (BBB); Patrick Bonnett is a member of the Society of Certified Senior Advisors, The National Association of Insurance & Financial Advisors (NAIFA), The Association of Health Insurance Agents (AHIA), the National Association of Professional Agents (NAPA). Mortgage products offered separately through West Star Mortgage, Inc., Patrick Bonnett, Mortgage Consultant. West Star Mortgage, Inc. and Encore Financial Services, Inc. are two separate companies with no contractual relationship. Mortgage Acceleration is a general classification of various techniques used to speed the equity buildup in real property. Encore Financial Services, Inc. is an authorized agent for U1st Financial, a leading provider of mortgage acceleration software.