Art Neibrief's mission is to provide you with excellent service, helpful advice and useful resources about long term care insurance solutions. He works with many different insurance carriers to provide the best solution for each client, and all plans include home care and care coordination services.
Since 1998, he has helped thousands of families protect their dignity, assets and independence with long term care planning. He has done so as both an agent and as a consultant to hundreds of financial advisors in the North Bay and in San Francisco. Art loves his work and recognizes the honor in being trusted by others to help protect their future.
Business owners can get coverage for themselves and their spouses. They can also choose to protect specific, select employees for reward, retention and recruitment. When employees and their families are protected, a business is faced with less absenteeism: Employees leaving work to care for a loved one. Premiums may be deductible as a business expense, depending upon the form of ownership. In addition, worksite issuance can mean premium discounts and relaxed underwriting.
Art can help with traditional premium insurance plans, and also those which are asset-based plans. Asset-based plans are life insurance or annuities with long term care benefits, and they provide the certainty of a return if care is never needed. These plans can sometimes be obtained via a 1035 tax free exchange from an existing life insurance or annuity policy, thereby avoiding the need to expend additional capital.