Long Term Care
Did you know that people that are in a Long Term Care facility stay on an average of 5 – 7 years?  A Long Term Care policy would cost you about 1 to 2 percent of your estate.  The time to plan for this is now.  The longer you wait the higher the premium will increase.  For more information and quotes For a quote please call Chris Rose at 931-684-3323 or email at  crose@hbcowan.com.
Frequently Asked Questions
Is there a good time to buy Long Term Care?
  No, but the younger the better as far as premium amount and health problems.
Can I buy different amounts of my daily benefits for nursing home benefits?
  Yes, you can buy different amounts per daily benefit and the amount of days before your policy would start paying.
2007 All Rights Reserved H. B. COWAN & COMPANY
710 North Brittain St. * Shelbyville, TN 37162
Phone 931-684-3323 * Fax 931-684-0907