Words can sometimes never express what a picture can. I have told clients before that it is important to protect themselves against a Long Term Care Risk. I can tell them the chances of needing long term care versus other life risks such as having a fire. The picture above tells the story perfectly.

Most of us have home insurance to protect against a fire. You buy the house, it is a valuable asset and you want to protect it against loss. The picture above shows us that we have a 1 in 1200 chance of your home having a fire. If we drive a car we need to have it insured. However, what the chart shows above is that you have a 5 in 1200 chance of totaling your car in an accident. These risks are minimal but yet we all buy the insurance to protect against the loss. 

Now the last image shows us the chance of needing long term care. That is, the odds we will have a life event, causing us to need nursing home or in home care. Those chances are 720 in 1200. That is a 60% chance of needing coverage which can cost close to six figures a year for a nursing home stay.

My life is committed to helping others. To me, every person I get to invest in long term care coverage, I am doing a huge service. I can look in the mirror as well as look at my son and say I am doing what is necessary to make a difference in peoples lives. 

I have a friend, he is only in his 40's, his wife was diagnosed with an awful disease. She had no long term care insurance. He has tapped into their assets and it has been devastating to him financially. Please don't wait until it is too late to make a difference in your life and protect your assets and family.

Please contact me for more information.

​Michael

How many times have you been to a party or family gathering and there he is the insurance guy trying to drum up business? Do you try to get as far away from him as possible? You mean you don't feel like being sold? Who does?

Last time I checked we are all human beings and want to be treated with respect, kindness and as a human being. It's funny, most of the time that insurance guy above is talking to a person, they are doing all the talking and not even listening to the prospective client. They fail to ask any questions about the human being they just connected with, instead they see potential dollar signs. What a turn off to just about anyone.

Wouldn't it be nice if that person at the party focused on you? They asked you questions about what is important in your life? What are your values? What makes you tick? Isn't that a much more human way to approach any relationship?

At Michael Fox Insurance, it's all about you. I want to find out all about you. I want to understand what makes you tick. I want to understand you family and overall situation in life. Our first meeting is with a yellow pad and just a conversation about YOU! Unless we understand you, how could I possibly understand your needs. Without understanding your needs, I am just a salesperson. That would be my worst nightmare.

Remember this, next time you are at that party and the insurance salesman approaches you. Let him know, it's all about me, not you!

Call us for a complimentary consultation and lets begin a dialogue and relationship.

​Michael