Our team of licensed, Marketplace- certified agents and brokers are here to help you.  Whether you’re needing individual, family or employer-sponsored health insurance, we will help you find a plan that fits your needs and fits your budget. 
Local: (913) 385-2224 Wichita: (316) 263-2900 Toll Free: (877) 385-2224 info@benefitsbydesigninc.com
© Benefits By Design 2015
Local: (913) 385-2224 Wichita: (316) 263-2900 Toll Free: (877) 385-2224
Reasons You Should Have Life Insurance   It’s about putting your family first--protection for you and your loved ones’ future. Life insurance is an expression of love and caring.  Because you care about your family, you want to ensure their financial security in case you are suddenly not around to do so.   Life insurance can pay for your children’s education.   Life insurance can pay off your mortgage.   Life insurance can.   If you are not completely certain that your coverage is in line with your family’s need, please contact us to today.   How much life insurance should you have?  The answer most financial planners and underwriters agree on is eight to eleven times your annual income as the main bread winner.    Long Term Care Insurance   Should I buy it or not?…When should I buy it?   Did you know that today the cost of being in an assisted living home is between $5,000 and $6,000 per month? Yes, that is today’s cost.  That means it could cost as much as $72,000 a year.  Having long term care insurance in place enables you to afford the high costs of assisted living and nursing home facilities as well as home health care without wiping out your savings and your estate or forcing your children to find a solution as caregivers or payers.   So let’s look at the cost of a typical plan for a 60-year-old female with a three-year benefit at $200 a day costing $3,721 a year.  If you pay premiums for twenty years, the total premium is $74,420, which just about equals the cost of one year in a nursing home or assisted living facility.  If you paid for the nursing home out of your pocket for three years with no coverage, it costs you $216,000 versus the long term care policy at $74,420.   When should you buy Long Term Care Insurance?  Did you know the younger you are the lower your monthly premium will be? Contact us today.