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Meet The Expert

Alex Schneider

Alex Schneider

Recent favorable tweaks to the tax code has led to an explosion of new, innovative Long-Term Care funding options.  New variants of Asset-Based LTC, Linked Benefits, Life-LTC Hybrids, even LTC-focused annuities are coming on the market at an accelerating pace.  Which one is best for your client, based on their overall financial picture, and how they’d like to experience extended care as life’s journey nears the end?

Alex Schneider is an industry leader when it comes to listening to clients to learn of their wishes of how and where they’d like to receive long-term care.  He is able to sit down with prospective insureds – and often their kids – to lay out their most cost effective and tax-advantaged method to pre-fund LTC expenses.  Parents and their children will acquire peace of mind, having clarity about the what ifs, should care be needed for months or years. 

 

Invite Alex to assist your clients in gaining clarity about their preferences in receiving LTC benefits and realistic pre-funding options

Compare & contrast leading LTC funding options: Asset-Based LTC, Asset Care, CareMatters, Linked-Benefits, life insurance with LTC or Chronic Illness riders, traditional LTC, and LTC flavored annuities. Compare & contrast leading LTC funding options: Asset-Based LTC, Asset Care, CareMatters, Linked-Benefits, life insurance with LTC or Chronic Illness riders, traditional LTC, and LTC flavored annuities.
Guaranteed lifetime long-term care benefit payments Guaranteed lifetime long-term care benefit payments
No more use it or lose it!  Return or premium is guaranteed via LTC benefit payments, life insurance death benefits, or a combination of both.  No more use it or lose it!  Return or premium is guaranteed via LTC benefit payments, life insurance death benefits, or a combination of both. 
Analyze popular inflation protection adjustments: 3%, 5%, simple or compound; US Medical Care Inflation Protection Options Analyze popular inflation protection adjustments: 3%, 5%, simple or compound; US Medical Care Inflation Protection Options
Differentiate between Chronic Illness (101g) and Long Term Care (7702B) policy (or rider) definitions Differentiate between Chronic Illness (101g) and Long Term Care (7702B) policy (or rider) definitions
Facilitate the tax-free exchange of older life insurance policies for modern policies that prioritize LTC  benefits Facilitate the tax-free exchange of older life insurance policies for modern policies that prioritize LTC  benefits
Cover two individuals with one policy; couples discounts Cover two individuals with one policy; couples discounts
Premium options: single pays, short pays, full pays; premium refund options; use of nonqualified annuities or qualified money to fund LTC insurance Premium options: single pays, short pays, full pays; premium refund options; use of nonqualified annuities or qualified money to fund LTC insurance
Finance informal care provided by family or friends with tax-free policy benefits. Finance informal care provided by family or friends with tax-free policy benefits.
Retroactive benefit payments to cover benefits received during the policy's Elimination Period Retroactive benefit payments to cover benefits received during the policy's Elimination Period
Executive benefit LTC carve outs Executive benefit LTC carve outs

Introduce Alex to your healthy clients in their 50s to early 70s who are interested in learning more about options in receiving LTC benefits and exploring realistic pre-funding options.

Introduce yourself to Alex

Recent Case Studies

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Who is this?

  • Product: Asset-Based permanent life insurance with LTC benefits
  • Key Policy Feature: LTC feature allows tax-free cash distributions in case of an LTC claim; death benefit recovers premiums+ in case there is no LTC claim
  • Commission: $22,750
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Retiree F 65

  • Product: Linked Benefit LTC Solution
  • Key Policy Feature: Policy provides robust LTC benefits, a death benefit is paid if LTC is not needed; cash value is accessible in case  policyholder decides to cancel the policy before a claim
  • Commission: $11,500
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Widow F 71

  • Product: Annuity with tax-favored LTC Benefits
  • Key Policy Feature: Annuity coupled with LTC benefits; LTC payout more than doubles the Annuity
  • Commission: $13,200

About alex

Alex Schneider is an industry veteran with well over 20 years experience in the Long-Term Care space.  He has advised families since the first LTC insurance solutions came on the market in the 1990s and has access to all leading LTC solutions, including products offered by Northwestern Mutual.  

Alex received his B.S. in Business Administration with an emphasis in Finance from California Polytechnic State University – San Luis Obispo in 1998 and has been advising families on tax-efficient risk management solutions ever since.

Alex, his wife Sandie and their young on Lucas reside in Torrance, California. In his spare time, Alex likes to play pick up ice-hockey or attend Los Angeles Kings games, especially when they make the NHL playoffs!  He also enjoys watching LA Dodgers and Rams games. Alex and his family frequently travel to enjoy the tropics in Belize or Hawaii.

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CA Corp. Insurance License: 0E02059

Contact us

 Mailing & Overnight Address

CPS Advantage
6444 E. Spring Street #287
Long Beach, CA 90815

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