A comprehensive, cost effective solution for your long term care in Tennessee.

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Our featured Long Term Care Policy is the Generation Protector® from Allianz Life Insurance Company of North America.

A comprehensive, cost-effective solution for your long term care needs in Tennessee.

Qualifying for Insurance Benefits	After providing proof of loss, you can receive benefits for covered care if you have satisfied your policy's elimination period and : You are certified unable to perform two of six Activities of Daily Living (ADLs) without substantial assistance, and substantial assistance is expected to be required for at least 90 continuous days; or You require substantial supervision due to a severe cognitive impairment. A severe congnitive impairment is the deterioration or loss of your intellectual capacity. Note: ADLs include bathing, eating, dressing, toileting, continence, and transferring.
Insurance Product type	Tax-qualified long term care
Issue Ages	18-84, age last birthday
Underwriting classes	Preferred Plus, Preferred, Standard, Select I, Select II
Facility care daily benefits	$ 100 to $ 500, in $10 increments
Insurance Benefit periods	2, 3, 4, 5, or 8 years, or lifetime
Home and Community care daily benefits	70%, 100%, or 130% of facility care daily benefit
Elimination periods	7, 30, 60, 90, or 180 days of service. Elimination periods must only be satisfied once in your lifetime.
Policy Rate guarantee	3 years
Waiver of premium	Premiums are waived once you are eligible for benefits.
Recovery benefit	Policy is paid up if you spend 12 months in a nursing facility, recover, and return home.
Bed reservation	60 days per calendar year
Respite Care	30 days per calendar year
Spousal discount	30% discount for each insured
Married discount	15% discount

This is a brief description of the Generation Protector® policy options and specifications. All provisions of the appropriate long term care insurance policy document will apply.

Exclusions and limitations.

No benefits will be paid for any confinement, care, treatment, or service(s):

for alcoholism or drug addiction.
that result from participating in a felony, a riot or an insurrection.
for which benefits are provided under any state or federal worker's compensation law, or any motor vehicle no-fault law.
that result from an act of war, whether declared or not.
that result from your intentionally self-inflicted injury.
provided outside the fifty United States, the District of Columbia, or Canada, except as described in the International Coverage Benefit Endorsement.
provided to you by an Immediate Family Member or someone living in your Home, unless pre-approved by us.
for which youhave no financial liability or that are provided at no charge in the absence of insurance.
provided in a government facility (unless otherwise required by law).
that are reimbursable under Medicare or would be so reimbursable but for the application of a deductible or coinsurance amount.

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This policy is issued by Allianz Life Insurance Company of North America

With over 700 subsidiaries in more than 70 countries, the Allianz Group is one of the world's leading providers of integrated financial services.

Allianz Life® has consistently been assigned financial strength ratings by Standard & Poor's and A.M. Best that are among the highest available. It is one of a select group of major insurance companies to receive such high ratings.

To obtain a FREE no-obligation quote for a long term care policy, please contact us.

Phone: 615-384-8611

FAX: 615-384-2128

E-Mail

We would like to help you design a long term care program that meets your needs and fits your budget.

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Carlton Group Insurance Services, LLC

816 South Main St.

Springfield, TN. 37172

Phone: 615-384-8611 FAX: 615-384-2128

E-Mail