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Long Term Care Is A Women’s Issue…Or Is It?

Long Term Care Is A Women’s Issue…Or Is It?

Lately, the notion that Long Term Care is a women’s issue has been generating a lot of buzz, but the truth is, our industry has been tugging at this thread for years. In my possession are studies, statistics, articles and agent presentations dating back to 2007 and I’m certain I could dig deeper.

Statistics

Statics are the scaffolding upon which out Long Term Care house was built. I could choose from literally hundreds, but let’s cite just a few so we speak a common tongue:

• A healthy 65-year-old woman has a 67% chance of living to 90 and a 38% chance of living to 95. In general, women live about five years longer than men, and have 10 times the chance of reaching 85.
• 80% of Nursing Home admissions are women
• The average age at admission for these women is 82.
• At that age, most of these women are single. Women older than 75 are much less likely to be married than men (38%-74%).
• Women are confined 50% longer than men.
• 65% of all claims are paid to women.
• Women are more likely to suffer from Alzheimer’s (which is the claims leader in frequency, length and dollars).
• Women provide 60% to 75% of all informal (unpaid) care, which leads to depression, illness and loss of lifetime earnings and future Social Security benefits.

It’s an extremely challenging portrait, is it not? One LIMRA article suggests that women lag behind men in retirement planning for any number of reasons, including choice of more flexible career roles and lack of financial literacy (sigh) – as if financially literate men are knocking down doors for Long Term Care insurance.

Gender-Based Rates

Never have innocuous powder-blue and bubblegum-pink data points had such dire consequences as when plotting “gender-distinct pricing.” But the trends had become too obvious to ignore. Besides, as one actuary put it, “We’ve always had gender-based rates: We just blended them here in the home office before the ratebook reached the field.”

In other words, men have been subsidizing women for a long time. The companies depended on receiving and issuing a certain ratio of male-to-female applicants, and all was right with the world. But what if this decade-long “LTC is a women’s issue” campaign really took off? What if one company received an extraordinarily high number of female applicants? They are costlier claimants who don’t pay the premiums they should. Without enough men to balance them out, it could topple the ship.

Enter gender-based rates: men pay what men cost, and women pay that women cost. No longer does it matter how many men or women apple (and are issued). Neither can upset the balance of the ship. For this reason, gender-distinct pricing is said to provide greater protection against the need for potential rate increase.

It’s A Family Issue

In the end, of course, I’m not an actuary. It’s easy for me to read pop-culture articles and throw pot shots from the gallery. However, statistics only take us so far. I’d like to go beyond the numbers, or “beyond dollars” to use the expression Genworth coins in their landmark report.

I’d like to re-visit and enrich the original premise: Is Long Term Care a women’s issue?” Respectfully, I would suggest it is much more.

First, our language should evolve from that of the 1970’s. Rather than varying between “compartmentalized” and “holistic” psychobabble, we could speak directly by choosing language appealing to “primary earners” versus “caregivers” (regardless of sex). The former is concerned with keeping his or her financial commitments into retirement, while the latter relies on the income of the former to provide for the day-to-day needs of the family.

In both cases, a sales is impossible if love for others is not present.

Just as importantly, if you’ve ever provided care, then you know that Mom’s extended care is not her “issue” alone. It cuts a swath through the family like a tornado cutting through a small town. It sweeps to Dad. It becomes Daughter’s issue and Son’s issue. Siblings who don’t actively participate in the caregiving or the funding still participates by stirring up resentment that lingers for years and helps to rip the family apart. Caregivers miss time with their own families – spouses and children of any age. (“Beyond Dollars” identifies them as secondary and tertiary caregivers).

So you see, our premise falls to live up to the hype. Long Term Care is not a women’s issue – it’s an everybody issue. Extended care impacts everyone. Not only has this been true in the past, but it will become more pronounced as longevity between the genders equalizes. Our messaging must reflect this reality or risk alienating significant markets.

Abe Glickman, LTCA, LTCP
Member: AALTCI, NAHU, NAIFA, SOA
Abe Glickman Insurance Group
Toll-Free Phone: 877-298-5824
Email: AG@AbeGlickman.com

“It is better to create a plan 10 years too soon than one day too late.”

Questions or Comments? Give me a call!

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Dementia: The Journey Ahead

Dementia: The Journey Ahead

This is a very moving story; but sadly in life we lose some of those we love, not from Dementia, or Alzheimer’s, but issues of non-importance. I think this man has it right. Five years is a very long time as we older and his commitment to knowing her says it all.

It was a busy morning, about 8:30am, when an elderly gentleman in his 80’s arrived at the hospital to have stiches removed from his thumb. He said he was in a hurry as he had an appointment at 9:00am. The nurse took his vital signs and had him take a seat, knowing it would be over an hour before someone would be able to see him.

I saw him looking at his watch and decided, since I was not busy with another patient, I would evaluate his wound. On exam, it was well healed. I spoke to one of the other doctors, got the needed supplies to remove his sutures, and redress his wound.

While taking care of his wound, I asked him if he had another doctor’s appointment this morning as he was in such a hurry. The gentleman told me no, that he needed to go to the nursing home to breakfast with his wife. As I inquired as to her health, he told me that she had been there for a while and that she was a victim of Alzheimer’s Disease.

As we talked, I asked if she would be upset if he was a bit late. He replied that she no longer knew who he was, that she had not recognized him in five years now. I was surprised, and asked him, “And you still go every morning…even though she doesn’t know who you are?” He smiled as he patted my hand and said, “She doesn’t know me, but I still know who she is.”

Abe Glickman, LTCA, LTCP
Member: AALTCI, NAHU, NAIFA, SOA
Abe Glickman Insurance Group
Toll-Free Phone: 877-298-5824
Email: AG@AbeGlickman.com

“It is better to create a plan 10 years too soon than one day too late.”

Questions or Comments? Give me a call!

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Long Term Care Policies Will Soon Cost More For Women

Long Term Care Policies Will Soon Cost More For Women

The gender gap is about to get a little wider as the formerly egalitarian Long Term Care insurance market starts charging higher prices for women.

While life insurance has long been priced by sex, companies that provide Long Term care insurance (LTCI), mainly used to cover healthcare expenses in old age or for severe illness, have long avoided it. But for the first time this year, they will introduce gender-based pricing, starting with policies from Genworth Financial, Inc. the nations largest seller.

The aim is to reflect actuarial realities – women live longer and prepare ahead more for their futures by buying policies. Genworth says two-thirds of it’s LTCI claim payouts go to female customers, and overall, women account for 57 percent of all policy sales in 2011, according to data from LIMRA, the insurance research and consulting group.

Genworth will introduce gender-specified policy pricing by this spring, if the plan passes regulatory hurdles. That will boost the cost of new policies for women by 20 to 40 percent, depending on the applicant’s age and benefit package, according to the American Association for Long Term care Insurance (AALTCI).

Industry experts expect gender-based pricing will be adopted by other carriers before the end of this year – both for individuals and married couples.

Gender-based pricing is the latest stopgap measure for an industry that already is struggling. The ultra-low interest rate environment has made it difficult for the insurance companies to earn enough on their fixed income portfolios to fund benefits.

Another challenge for insurance companies, ironically, is customer loyalty. Only about 3 percent of policyholders allow their coverage to lapse. It’s a smart consumer move to hold onto policies, but it is costly for carriers, who ultimately wind up paying more claims.

Also, the stressed Medicaid system is the nation’s largest insurer, which puts stress on federal and state budgets. Outside of that, family members are the most common source of care.

So, what can women do to get the lowest rates possible in this new environment?

1. Get Started Now – If you have been thinking of buying Long Term care insurance, this would be a great time to get going. Genworth is applying now for gender-based rate increases to individual state insurance regulators.
2. Apply As A Couple – If you are married, applying as a couple will keep your cost down. Genworth and the rest of the industry apply discounts for couples who apply for coverage together.
3. Ask Questions – To find out more information about this article and to get informed on Long Term Care basics, give me a call.

Abe Glickman, LTCA, LTCP
Member: AALTCI, NAHU, NAIFA, SOA
Abe Glickman Insurance Group
Toll-Free Phone: 877-298-5824
Email: AG@AbeGlickman.com

“It is better to create a plan 10 years too soon than one day too late.”

Questions or Comments? Give me a call!

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The Importanace of Long Term Care In Retirement Planning

The Importance of Long Term Care In Retirement Planning

People planning for retirement typically know where they’ll get the money to pay for living expenses and many of the extra things they want to so. But all too often, they fail to plan for long term care expenses. And that can be a costly mistake.

Long term care services are expensive. Based on Mutual of Omaha’s Cost-of-Care Survey, the nationals average cost for one year of nursing home care in a semi-private room is $86,662.00. And that’s just for one person. If both husband and wife need long term care services, a retirement nest egg can be depleted quickly.

So how do people plan to pay for the care they need? Some mistakenly believe their health insurance will cover their long term care expenses. Others plan to let the government take care of them. In reality, health insurance doesn’t cover long term care. And the coverage provided by government programs is limited. For example, Medicare provides some short term coverage simply to help people get back on their feet after an accident or illness. And while Medicaid does pay for long term care services (typically nursing home care), it only pays for people who have no other resources. And for many people, that means spending down assets to qualify.

That leaves two alternatives: Pay for long term care services using retirement assets or protect retirement savings with a long term care insurance policy.

Planning to pay the cost of long term care services out of pocket may seem reasonable. But many people fail to think about the real cost associated with that plan. First, assets may have to be liquidated, which could mean cashing in stocks, selling property or dipping into 401(k) or savings accounts. In addition, liquidating assets may trigger additional costs in the form of capital gains tax, income tax and potential surrender charges. It also has the potential to deplete the inheritance planned for family members.

Purchasing a long term care insurance policy may be the best way to help peole make their retirement assets last as long as possible. For a fraction of the cost they would pay to a nursing home, assisted facility or home health care provider, they can purchase a policy to help pay those bills while protecting a significant portion of their retirement fund.

With all the retirement planning options available, it’s important to remember one thing…people need enough retirement income to cover their expenses. And putting a plan in place to pay for long term care expenses using a long term care insurance policy can be a smart way to make retirement income last longer.

Abe Glickman, LTCA, LTCP
Member: AALTCI, NAHU, NAIFA, SOA
Abe Glickman Insurance Group
Toll-Free Phone: 877-298-5824
Email: AG@AbeGlickman.com

“It is better to create a plan 10 years too soon than one day too late.”

Questions or Comments? Give me a call!

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Not Having A Plan Is Planning For Faliure

Not Having A Plan Is Planning For Failure

1. Planning for Long Term Care Is Important  Most people will tell you they plan to live a long life. But with aging comes the need for help with some of the things they always did for themselves. According to the U.S. Department of Health and Human Services, 70% of people who reach age 65 will need Long Term care services at some point in their lives.
2. Long Term Care Services Are Expensive  Mutual of Omaha’s cost-of-care survey revealed that just one year in a nursing home can cost more than $96,000 (based on national averages). Home Health Care is less expensive, but people still can expect to pay as much as $56,000-$70,000 per year for care they received in their own home.
3. You Can’t Rely On Health Insurance or Medicare  Many people mistakenly believe their Long Term care needs are already covered. In reality, health insurance doesn’t cover Long Term Care services. And Medicare only covers services for a short time – typically just long enough to help people get back on their feet after an illness or injury.
4. Medicaid Isn’t For Everyone  It’s true. Medicaid doesn’t cover Long Term care services. But it’s important to remember that Medicaid is a program for people with low incomes and limited resources. That may mean you would have to spend down your assets just to qualify. Not an attractive option for people who want to protect the assets they have worked a lifetime to accumulate and leave a legacy for their children.
5. There’s A Hidden Cost To Family Caregivers  It’s easy to say, “My family will take care of me.” But a spouse may not be physically able to provide all the care that’s needed. And children have their own family and career obligations. The fact is family caregivers frequently suffer from stress and illness themselves. Not to mention lost wages if they have to give up a job or reduce their work hours.
6. The Best Time To Start Planning Is Now  How will you pay for the care you need? Where will you live? Who will take care of you? These are questions people need to ask themselves now while they’re young and in good health. The need for Long Term care services can arise at any time. Having a plan in place when that day comes can help alleviate the emotional strain many families face. It also can help ensure you get to make the important decisions about the care you receive and the setting you prefer.
7. The Cost Of Waiting Can Be High  The ability to obtain a Long Term Care Insurance policy is based on age and good health. So it’s important for you to understand that if something happens to cause a change in health status, you may not be able to purchase Long Term care Insurance at any price.
8. Some Coverage Is Better Than None  Many people who think they can’t afford a Long Term care Insurance policy neglect to consider what would happen if they didn’t have one. Without a policy to help pay the bills for Long Term Care services, you may have to liquidate assets, sell stocks, dip into savings or retirement accounts or sell property to come up with the cash you need. Even a modest Long Term care Insurance policy offers some protection for your important assets.

Abe Glickman, LTCA, LTCP
Member: AALTCI, NAHU, NAIFA, SOA
Abe Glickman Insurance Group
Toll-Free Phone: 877-298-5824
Email: AG@AbeGlickman.com

“It is better to create a plan 10 years too soon than one day too late.”

Questions or Comments? Give me a call!

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It Happened Again

It Happened Again – Don’t Let This Happen To You

Once again an Independent Home Health Aide has been arrested for abusing the elderly woman she was hired to care for (Sun Sentinel, Tuesday, 10/30/12).

The aide became a close part of the family. She was entrusted with the elderly couples debit card and pin numbers. She would go grocery shopping and perform other errands with those bank cards in hand.

A number of weeks later, that poor unknowing elderly woman noticed three unauthorized charges to her bank account. The charges were to Wal-Mart, department stores and to the aides FPL bill. She went to look for her bank card and could not find it.

Although this elderly woman was very frightened about her safety, she did the right thing and called the police…the aide was arrested October 27, 2012.

Surveillance video from Wal-Mart was the most incriminating. The aide is charged with 14 felony counts including exploitation of an elderly person and theft from a person 65 years of age or older.

I have many past articles about who is your advocate and why you need one!

Most Likely, several years ago, many of you purchased a Long Term Care (Home Health Care) or Medicare Supplement Policy. However, over the years you have probably lost contact with the agent who sold you the policy. There is a good chance that agent has retired or left the profession. Statistics show that 7 out of 10 agents doing business at this time have left the industry. Thus, leaving behind thousands of clients with policies and without an agent to assist when those policies need to be utilized. It is very important to know that there are rules and procedures that must be followed in order for the insurance company to pay the benefits you need today and have paid for for all of these years.

I want to tell you that I am here to take care of anything that you may need. This means, when you get sick or hurt and need to utilize your policy I, Abe Glickman, am the person you need to contact (877-298-5824). I will take care of everything in a timely matter to make the situation less stressful for you and your family by providing you the following:

• Locating Home Heath Care Services for you; We make sure all our Home Health Care agencies do total background checks of their Aides
• Locating Assisted Living, Nursing Home, and Adult Day Care Helping you with your claims so there are no delays
• Ensuring that your claims are processed accurately
• Being at your service 24 hours in the event of any emergency

We at the Abe Glickman Insurance Group, have, and will always be dedicated to providing the best service and insure that you are completely satisfied. Service and support to you and your loved ones has always been my NUMBER ONE PRIORITY.

Please take this opportunity to call me at the following number (877-298-5824) and allow me to review your coverage so I may refresh your memory of what you purchased many years ago. After that, I will become your advocate, providing you with my personal attention to your needs. We will create an informational profile for you and make sure you, as wall as your family, know to contact me in assisting you at the time of need.

I also invite you to visit me at my office at any time you are in the area and have any questions or just want to say hello. Also, please make sure your family and friends have my information in the event assistance is needed in the future.

I sincerely hope you enjoy good health for many years to come.

Abe Glickman, LTCA, LTCP
Member: AALTCI, NAHU, NAIFA, SOA
Abe Glickman Insurance Group
Toll-Free Phone: 877-298-5824
Email: AG@AbeGlickman.com

“It is better to create a plan 10 years too soon than one day too late.”

Questions or Comments? Give me a call!

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I Can Be Anyone’s Advocate

Dear Readers,

It is always gratifying to be recognized on a national level among one’s peers. I am very humbled by this achievement.

However, I must explain how I reached this goal.

It is not about how many appointments you have. It is not about how many kitchen tables you sit at making presentations. It is not about any of that at all.

It is about service (I have written about this in past articles). It is about making sure that the promises I made, and the promises the insurance company made at the time of sale (purchase) are delivered and kept. It is not about just making the sale and disappearing. It is about staying, keeping in touch with my clients, and making sure they know I will be there when they need me! It’s about my clients having peace of mind. It is being your advocate at the time of need. In today’s world, it seems that everyone is out for themselves, not for you. Where I come from, a promise is a promise. My handshake is my bond.

By always valuing my clients, I have made service my number one priority. I have the best clients an insurance agent could ask for. My modest achievements are a direct result of referrals. I have been fortunate, but at the same time, my clients expect professional, expedient and courteous service.

I offer again to all of you who have Long-Term care policies, and have no connection with your agents to contact me so we can review your policy and allow me to be your advocate.

Abe Glickman, LTCA, LTCP
Member: AALTCI, NAHU, NAIFA, SOA
Abe Glickman Insurance Group
Toll-Free Phone: 877-298-5824
Email: AG@AbeGlickman.com

“It is better to create a plan 10 years too soon than one day too late.”

Questions or Comments? Give me a call!

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Breaking Down The Long Term Care Claim In Numbers

Breaking Down the Long Term Care Claim In Numbers

Now that Long Term Care Insurance has been around for a while, sufficient data has been accumulated so that we have a good grasp on claims. The industry is paying a very large amount of dollars in claims – some $6.6 billion in benefits was paid to about 200,000 individuals in 2011 – all of you should be aware of this information.

Here is an analysis of the more than 160,000 claims that a leading carrier paid by the end of 2011.

In Dollars
• $1.2 million is the largest single claim
• 50% of all claim dollars are paid to claimants with mental disorders including dementia

Benefit Recipients
• 78.7 is the average age of claimants. At age 80, it’s approximately 26% of claims, age 85 it’s about 24% of claims and age 90 it’s 9%
• Youngest claimant is 28; oldest is 103
• 71% of claims have been paid to female claimants
• Married women tend to claim at an earlier age than single women and men

Length of Claims
• 43% of claims last less than one years due to short recoverable illness, a sudden terminal illness or a single use of non-caregiving benefits
• The average length of claims that last more than a year is 4-9 years
• 35% of claims will last more than five years
• Of 100 people, 80 do not transition from where they receive their initial care.

Who Goes On Claim And For What – By Gender And Cause
• Single Women – 38% of all claims
• Married Women – 27% of all claims
• Single Men – 11% of all claims
• Married Men – 24% of all claims
• Women – Dementia, Cancer, Fractures, Stroke
• Men – Dementia, Cancer, Stroke, Parkinson’s

Of all the claims, 59% died while on claims, 30% recovered and 11% exhausted their benefits.

(Source – *AALTCI Source Book)

Abe Glickman, LTCA, LTCP
Member: AALTCI, NAHU, NAIFA, SOA
Abe Glickman Insurance Group
Toll-Free Phone: 877-298-5824
Email: AG@AbeGlickman.com

“It is better to create a plan 10 years too soon than one day too late.”

Questions or Comments? Give me a call!

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It’s Expensive

Would you buy Long Term Care insurance?

“People say the premiums are expensive.” As a Long Term Care insurance Agent, I hear this all the time.
Are they??

I have to expand the question for those who make that statement.

Long Term Care insurance premiums are expensive compared to…what? Compared to the cost of Long Term Care? NO. Long Term Care insurance premiums are a drop in the bucket compared to the cost of the type of care this valuable insurance pays for.

Here’s an example:

A 50-year-old can get a $200 daily benefit to cover today’s cost of care with either a 3-year benefit period or a 5-year benefit period for only $159.14 a month or $224.26 a month respectively. If a spouse is also issued, the premium is reduced 10% for both and paying annually instead of monthly will reduce it an additional 8%. So now were at $1,591 for the 3-years benefit period and $2,242 for the 5-year benefit period.

Sound like a lot? Here’s the value proposition: The premium for the 3-year plan will cost $47,730 over 30 years and the premium for the 5-year plan will cost $67,260. At 5% compound, the daily benefit will be $823.23 in 30 years, which means the benefit pool for the 3-year plan will be $901,433 and the benefit for the 5-year plan will be $1,577,508.

Let me restate this information to be crystal clear:

Buying Long Term Care insurance at the above premium means you would spend 4% to 5% of the potential benefits in 30 years ($47,730 is 5% of $901,433 and $67,260 is 4$ of $1.5 million).

But…were not done yet:

The benefits will continue to grow each year at 5% compound for the rest of your life as long as you haven’t used them all up! At 5% compound, the benefits DOUBLE every 14 years.

I’ve told you what the benefits will be at age 80 for the 50-year-old. Could today’s 50-year-old live to be age 95? According to the Wall Street Journal, one in 10 people who turned age 65 in 2011 will see age 95, so it’s logical to think those odds will be even higher for someone 15 years younger.

At age 95, the 3-year plan will have grown to almost $2 million and the 5-year plan will be sitting at $3 million.
$1,591 x 45 Years = $71,595 Premium vs. $1.8 million in potential Benefits
$2,242 x 45 Years = $100,890 in Premium vs. $3.1 million in potential Benefits

Oh, and let’s see, should I mention that the premium STOPS once you start using the benefits?

But wait – I’m not saying that the premiums can’t increase on a class basis…because yes, they certainly can.

What if you never use it? You’ve made a 4% to 5% mistake…but was it a mistake? Your 4% to 5% mistake bought a peace of mind for you and your family for 30 to 45 years. To me, that’s priceless.

Abe Glickman, LTCA, LTCP
Member: AALTCI, NAHU, NAIFA, SOA
Abe Glickman Insurance Group
Toll-Free Phone: 877-298-5824
Email: AG@AbeGlickman.com

“It is better to create a plan 10 years too soon than one day too late.”

Questions or Comments? Give me a call!

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It’s Expensive

Would you buy Long Term Care insurance?

“People say the premiums are expensive.” As a Long Term Care insurance Agent, I hear this all the time.

Are they??

I have to expand the question for those who make that statement.

Long Term Care insurance premiums are expensive compared to…what? Compared to the cost of Long Term Care? NO. Long Term Care insurance premiums are a drop in the bucket compared to the cost of the type of care this valuable insurance pays for.

Here’s an example:

A 50-year-old can get a $200 daily benefit to cover today’s cost of care with either a 3-year benefit period or a 5-year benefit period for only $159.14 a month or $224.26 a month respectively. If a spouse is also issued, the premium is reduced 10% for both and paying annually instead of monthly will reduce it an additional 8%. So now were at $1,591 for the 3-years benefit period and $2,242 for the 5-year benefit period.

Sound like a lot? Here’s the value proposition: The premium for the 3-year plan will cost $47,730 over 30 years and the premium for the 5-year plan will cost $67,260. At 5% compound, the daily benefit will be $823.23 in 30 years, which means the benefit pool for the 3-year plan will be $901,433 and the benefit for the 5-year plan will be $1,577,508.

Let me restate this information to be crystal clear:
Buying Long Term Care insurance at the above premium means you would spend 4% to 5% of the potential benefits in 30 years ($47,730 is 5% of $901,433 and $67,260 is 4$ of $1.5 million).

But…were not done yet:

The benefits will continue to grow each year at 5% compound for the rest of your life as long as you haven’t used them all up! At 5% compound, the benefits DOUBLE every 14 years.

I’ve told you what the benefits will be at age 80 for the 50-year-old. Could today’s 50-year-old live to be age 95? According to the Wall Street Journal, one in 10 people who turned age 65 in 2011 will see age 95, so it’s logical to think those odds will be even higher for someone 15 years younger.

At age 95, the 3-year plan will have grown to almost $2 million and the 5-year plan will be sitting at $3 million.

$1,591 x 45 Years = $71,595 Premium vs. $1.8 million in potential Benefits
$2,242 x 45 Years = $100,890 in Premium vs. $3.1 million in potential Benefits

Oh, and let’s see, should I mention that the premium STOPS once you start using the benefits?

But wait – I’m not saying that the premiums can’t increase on a class basis…because yes, they certainly can.

What if you never use it? You’ve made a 4% to 5% mistake…but was it a mistake? Your 4% to 5% mistake bought a peace of mind for you and your family for 30 to 45 years. To me, that’s priceless.

Abe Glickman, LTCA, LTCP
Member: AALTCI, NAHU, NAIFA, SOA
Abe Glickman Insurance Group
Toll-Free Phone: 877-298-5824
Email: AG@AbeGlickman.com

“It is better to create a plan 10 years too soon than one day too late.”

Questions or Comments? Give me a call!

Company Profile

Abe Glickman, LTCA, LTCP
Member: AALTCI, NAHU, NAIFA, SOA
Abe Glickman Insurance Group
Toll-Free Phone: 877-298-5824
Email: AG@AbeGlickman.com
“It is better to create a plan 10 years too soon than one day too late.”
Questions or Comments? Give me a call!

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