Life Line


Life insurance for individuals




Barbara Fosberg
It was hard for Barbara Fosberg to watch her husband, Morton, suffer from Alzheimer‘s disease. Morton was a very intelligent man, and the disease robbed him of his speech and memory. But thanks to long-term care insurance, paying for Morton‘s care was never a problem. Home health care aides cared for Morton during the day, allowing Barbara to maintain her career as a lawyer. As the disease progressed, Barbara was able to move her husband to a small group home where she could visit after work and where skilled and loving caregivers could provide him with the level of care he needed.


Barry Shore
Barry Shore, a 55-year-old real estate executive, was enjoying a normal life when a rare neurological disorder struck suddenly, causing him to lose all movement in his body. Throughout his ordeal, money is one thing Barry and his family haven‘t worried about thanks to smart insurance planning. Disability insurance payments have replaced more than half of Barry‘s income. And long-term care insurance has provided more than enough to pay for in-home care as well as physical, occupational and water therapy.


Lynda Striepe
Allen Striepe was a respected school teacher until Alzheimer's disease made him too sick to work. Long-term care insurance allowed his wife Lynda to hire a home health aide, so she could continue her teaching career. Five months later, Lynda could no longer care for him on her own and Allen's insurance covered his stay in an assisted living facility and later in a nursing home. Though Allen died two years after his initial diagnosis, Lynda credits the insurance for getting her husband the care he deserved and preserving her retirement assets.


Margaret Sweborg
Margaret Sweborg was always a very active and independent-minded person. Wanting to maintain her independence even if her health were to deteriorate one day, Margaret purchased long-term care insurance at age 66. That day arrived 13 years later when Margaret broke her hip and nearly died as she lay on the floor of her home for days, unable to call for help. No longer able to manage her own physical or financial affairs, Margaret relied on her step-granddaughter, Rindy, to take over. Rindy worked with Margaret's agent to file the long-term care insurance claim. The money from that policy, coupled with some retirement savings, enabled Margaret to move to a first-rate nursing home. Without it, she probably would have spent down all her assets and sought inferior, Medicaid-funded care.

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