Peck Funeral Homes - Insurance Services

Peck Insurance
Russell Peck, Jr. - Notary Public
Long-Term Insurance Agent
Office Location: 506 Washington St. Braintree, MA 02184
Conference Room: 882 Broad St., Weymouth, MA 02189
Phone:781-356-5319 | 781-389-3972
Fax: 781-331-4628
E-mail: rpeck356@aol.com

Russ Peck Jr. is now licensed with Allianz Insurance as an independent agent to provide you with Allianz Long Term Care Insurance. Long term care insurance protects seniors when they need money to pay for long term care, nursing care, at home care and when they need money to pay for other necessities like home aides and cleaning help. Long term care insurance when purchased in the proper amount can also pay for senior assisted living centers which are a more positive and enjoyable alternative to nursing home care. We have many years of experience in the elder care field, helping seniors with insurance pre need planning, legal planning, and with our attorney writing wills, trusts and making sure that property is protected for the use of loved ones.

Long term care insurance with a homestead document can also protect the senior's assets from being taken from them by nursing home liens and medical liens. Having a monthly benefit and no premium payments after they have entered the benefit period means that the senior will receive set benefits because of their inability to work and to function without medical help. The benefit period begins when the senior has a doctor properly identify two or more ADLs (activities of daily living) that the senior can not properly do. Once on benefit the senior no longer pays premiums but then receives the benefits that were agreed to in the policy. These benefits can be for a set number of years, while the senior is living, or better yet for the lifetime of the senior who is insured.

It is best to apply for long term care insurance while one is healthy and younger seniors in their 60s have lower premium payments than older seniors. It is sound advice to set up a policy years before one may need these benefits because later their health may disqualify them.

Russ Peck Jr. is now a pre-need director and agent with Columbian Life Pre-Need Insurance. They accept all seniors up to age 90. This is guaranteed whole life insurance. No medical questions are necessary though underwritten coverage may be attained if three simple medical questions are properly answered.

The insurance gains tax-free interest that is applied to the rising costs of having a funeral due to inflation. The interest of funeral insurance is based on the CPI and other indicators of the U.S. economy.

All costs for the funeral are guaranteed with the exception to the cemetery cost, since that cost has been rising at a rate unequal to normal inflation, in part due to rising cemetery demand and less supply of cemetery plots.

There are multiple methods of payment, which should be discussed with your insurance agent. Regular payments can be made usually over a three to five year period. Over that same period "flex" payments can be made with a similar policy that allows you to choose the amount of premiums you would like to pay during that year.

If a single payment is made for the funeral insurance policy then no payments will be required in the future and the person will be fully insured. If multiple payments are made the insured has the option of buying insurance that if they passed away the insurance company would pay the entire cost of the funeral even though they had not finished paying premiums on that policy. This option does cost slightly more.

We welcome your email questions sent to Russell@peckservices.com and we will answer them within one day of receiving them. Or call us at 781-356-5319 Monday through Saturday from 9AM to 5PM EST.

Disclaimer: Long Term Care Insurance is not FDIC insured and is not guaranteed nor is an obligation of your employer.

**Long Term Care Needs Assessment Family Questions**
Name (optional) (First MI Last):
Address (optional):
City (optional):		State (optional):
County (optional):		Zip (optional):
E-mail (optional):
Ten Important Questions to Review
1. I want to leave my stocks and bonds and savings to my family and to their children: Yes No
2. I believe that successfully completing estate planning is a very important task: Yes No
3. I would like to avoid regular style nursing homes and instead would like to spend my later retired years in an upscale senior assisted living center that allows me freedom and some luxury as well as medical assistance if my spouse or myself is in need of it: Yes No
4. I do not want my children, if I have them, to have to add more tasks and more pressure to their lives, by having to care for me when I am in need of medical and other assistance: Yes No
5. If possible even though I may need visting medical assistance I would like to remain living in my own home indefinitely or as least as long as is possible: Yes No
6. I would like full access to private pay medical professionals even when I am living on a fixed income and unable to work or care for myself: Yes No
7. Senior assisted living centers can cost around $70,000 per year. Under that circumstance would you need to sell your home, property and relinquish your savings?: Yes No
8. At 50,000 dollars a year at most I would have to sell my home after 3 years in the nursing home or if both my spouse and I had to use the nursing home for more than a 1.5 years: Yes No
9. I do not want to have to rely entirely on Medicaid after I expend all of my savings, property and retirement funds, after a couple of years of medical care: Yes No
10. I am interested in a reliable, affordable, helpful and reliable insurance company such as C.N.A. to insure my spouse and myself with Long Term Care Insurance so that we will be protected: Yes No

Links:
     Long Term Care Definitions
     Insurance Information Institute
     For Senior Assisted Living contact Marina Place and visit their website
     Forethought Insurance
     Unum
     For Appraiser's Professional Liability Insurance see: www.frea.com
     CNA Insurance
     ADT
     Medical Research Papers
     WebMD.com: For Medical Information
     For Senior Health Issues and Long Term Care Needs Info: visit
www.mrltc.com
www.longtermcarewiz.com
For Information on Parkinson's Disease

     Pre-need, Life and Annuity policies available thru Russ Peck
     For background info see www.cfglife.com for Columbian Mutual Life Insurance.


ISBN: 1563054353		ISBN: 0801861497		ISBN: 1577490770

For additional helpful information and links please go to the Links page on this Web site.

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We at Mortimer N. Peck, Inc. take your right to privacy very seriously. We have not nor will ever consider giving out your information including name, address, social security, or date of birth information to any third party without your express knowledge and agreement. The only time that information is used is in the development of our file and of the necessary completion of legal documents which you and/or your family needs. This is our guarantee of privacy of your information to you by us.

REQUIREMENTS FOR PRE-NEED CONTRACTS
Pre-need funerals can be funded either in a single lump sum payment or in a multi-payment over an approved of amount of time. But single pays must pay the fully contracted amount at the time of signing the contract. Also now because of federal privacy requirements not only must the verified social security number of the pre-need recipient be given but the verified social security number of the certificateholder even if they are a power of attorney or a guardian of the pre-need recipient. The law is clear and in all cases must be complied with, for all pre-need contracts. The social security number is used for identification purposes only.

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