None of us like to think that we may need nursing home care one day, but according to government statistics just over 50% of all Americans do need special care at some time in their lives. The problem with nursing home care is the cost - and the cost of nursing home insurance is going up almost every week. Fortunately there are several things you can do to lower the cost of your monthly premium and there's one very simple thing you can do - a deep, dark little secret that your broker hopes you'll never find out about - that will cut the cost of your coverage by approximately 30% in less than 30 minutes.
Before we get to the Big Secret for cutting the cost of a nursing home policy by as much as 30% instantly, lets talk about some of the other things you can do that can reduce your premium ever further.
For instance, did you know that you can save money every single month simply by paying your premium automatically each time? If your company doesn't have the hefty expense of sending you a bill every month (a bigger expense than you probably realize) then they are more than happy to pass most of that savings on to you in the form of a lower premium every month.
Buy your nursing home insurance now rather than later. The younger you are when you buy your insurance the less it is going to cost you every month. Also - and this is a fact that many people don't want to hear - almost 10% of all Americans between the ages of 40 and 65 need some sort of nursing home care for at least some time. Getting your policy earlier in life means that you'll pay a much lower premium later in life when money is often more of an issue.
But here's the Big Secret, the secret that your broker hopes you never find out about, the little secret that can save you 30% or more on your policy instantly - and it's so simple you may not believe it can really save you so much.
All you need to do is to buy your policy online. Yes, you read that right. Just buy your policy from an online broker.
How can this save you so much? For two reasons. One, online brokers have almost no overhead to worry about. Since they don't have to pay the rather substantial expense of an office and furnishings (and insurance!) and all the rest they are able to sell you a policy at a wholesale price and still show a profit. The second reason is because of competition. There's a lot of competition online and the only way for an online broker to compete under conditions like that is to cut prices to the very bone.
That may be bad for the agent but it's great for you. For once in your life YOU come out on top when it comes to buying insurance!
There's another way you save, too. When you buy your insurance from the comfort of your own home there isn't a live agent sitting across from and selling you more and more coverage that you never intended to buy and can't really afford. Wouldn't it be great for YOU to be in charge for once?
Even though I've spent a lot of time researching online insurance I don't want you to simply take my word for anything. Instead I want YOU to get online and check out the savings you find yourself. The one thing I can promise you is that you will be amazed by how much you can save simply by buying your nursing home policy online.
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