An Independent Marketing Organization

Helping the independent financial professional create, manage, and protect client wealth since 1988.

© 2000-Present IMGA Financial Group - All Rights Reserved

John L. Terry, III (President)  Insurance licensed in AL (1265727), AR (24716), CO (NPI00106626), GA (831116), KS  (1265727), LA (479038), MI (0343960),

MS (10101059), MO (PR103409), NY (LA1118844), OK (927503), OH (659388), TN (883255) TX (870394), VA(0108) , NC (0108)

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Long Term Care

With 1 in 2 seniors spending time in a nursing home prior to death, at an average cost of $55,000 per year, addressing long term care costs and coverage is an area of increasing importance to mature adults and those who are retired.  A lifetime of savings can be wiped out in a matter of months simply to pay the cost of care for a loved one.  Medicare doesn’t cover long term care, and Medicaid pays only after personal assets are spent down.  Long term care insurance is a cost effective way to cover the coasts associated with long term care, and to help preserve choice.