Then there's
  LONG-TERM CARE INSURANCE




If you do not purchase
this coverage
,
you will face a rude awakening
as you age.


ALL of these expenses for your care will need to be paid by you using your savings unless you are impoverished.

_______________________

For most folks, this means spending thousands and thousands of dollars for this care.
_______________________


PLEASE LOOK INTO
LONG-TERM CARE INSURANCE
TODAY!



BEFORE IT'S TOO LATE TO QUALIFY FOR A POLICY!

___________________

Believe me -
your family will THANK YOU.






Visit us at
The LTC STORE®
for more information
and
FREE QUOTES!

1-888-LTC-STORE
1-888-582-7867

_________________

Insurance companies
have some of the safest investments in this country.

Maybe it's time you took a look?

__________________

We offer products from:

New York Life
Mass Mutual
Jackson National
John Hancock
Mutual of Omaha

and countless other quality companies!

_________________

 RITCHIE FINANCIAL

We can help you avoid
outliving your savings.








Interest counts!
_____________


Call us TODAY at
480.759.5967

You'll be glad you did!




Life Insurance • Annuities • Long-Term Care Insurance
IRA & 401k Rollovers • Medicare Supplements
Disability Insurance • Health Insurance
Critical Illness • Short-Term Care Insurance
Dental • Final Expense Insurance

_______________________

480.759.5955
480.759.5967



info@ritchieinsure.com

_______________________

Listen for our ads on


 

Learn More


PLAN WISELY

There is a real danger of living so long that you might outlive your savings.

Planning ahead can prevent a crisis.

START EARLY

Once someone begins their first job they should remember to “pay themselves first” by setting aside a little money for that rainy day.


THERE'S TIME TO CATCH UP

It’s NEVER too late to begin to save for retirement as long as you understand the time value of money.

BABY BOOMERS NEED TO TAKE NOTE.


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Life Insurance

Temporary (Term) Life Insurance or Permanent Life Insurance.

It’s your choice.

One type of policy only pays a death benefit for a certain number of years if you pass away during that time period– the other type of policy pays no matter when you die.

TERM vs. WHOLE LIFE

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Disability Insurance


If you become ill or are injured and can no longer show up to work at your job, what happens to your weekly paycheck? Your bills still need to be paid.

Disability Insurance is the answer.


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Health Insurance


Most folks receive their health insurance coverage at work. Then there are the self-employed who have to buy this protection on their own.

Health Insurance pays most of  your medical bills and hospital costs so that you do not deplete your savings and retirement funds.


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Annuities

Insurance companies offer tax-deferred contracts which allow folks to save for retirement down the road.

Fixed annuities can be used as a vehicle to save after-tax money or  pre-tax money such as an IRA or 401K rollover.

Annuities can also guarantee a stream of income in the future which can provide you income for as long as you live.


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Medicare Supplements

At age 65, you are required to sign up for Medicare which will become your health insurance.

A Medicare Supplement or Medigap Policy can fill in the gaps where Medicare leaves you a deductible to pay.

Most seniors are on a fixed income so a Medicare Supplement can help prevent an unexpected bill from your doctor or hospital.



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