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Will you have the money you need, when you need it?Dear [Prospect Name],A number of my clients have come to me recently, wanting a way to transfer money to their families when they pass away. But they hesitate, because they’re concerned that their needs might change over time – that they might have to use that money for other things, like retirement expenses or long-term care costs. 4737735-2540Will you need long-term care?With people living longer than ever these days, it’s no wonder nearly 70% of people turning 65 will need some type of long-term care in their lives.* * America’s Health Insurance Plans (AHIP) Guide to Long-Term Care Insurance, . 2013 Revised edition.00Will you need long-term care?With people living longer than ever these days, it’s no wonder nearly 70% of people turning 65 will need some type of long-term care in their lives.* * America’s Health Insurance Plans (AHIP) Guide to Long-Term Care Insurance, . 2013 Revised edition.These days, it’s smart to plan ahead and make sure you have access to the money you need, if you need it. Address multiple needs with one policy. You can address a number of potential needs, all in one place, with a permanent life insurance policy that includes a long-term care services rider. This combination can give you a cost effective way to help:Protect your familyCover long-term care expenses, if you have themPotentially generate retirement incomePotential to pay for other expensesThe Long-Term Care ServicesSM Rider provides, as a monthly benefit, an acceleration of the policy’s Death Benefit to pay for qualified long-term care expenses if the insured is chronically ill and receiving qualified long-term care services in accordance with a Plan of Care. Clients must qualify separately for the Long-Term Care ServicesSM Rider; a client may qualify for the insurance but not the rider.Want to learn more?I’d like to set up some time to talk about your life insurance and long-term care needs. I will contact you sometime this week to see if there is anything I can do to help you. In the meantime, please feel free to contact me at my office number below if you have any questions.Sincerely,[FP Firstname Lastname, Designations] [Business Title][Phone (000) 000-0000, ext. 0000][firstname.lastname@axa-]This letter is an insurance solicitation and contact will be made by an insurance producer or insurance company.Actual terms and conditions of the Long-Term Care ServicesSM Rider are contained in Rider form #ICC12-R12-10, R12-10 and state variations. This rider has an additional cost and does have exclusions and limitations and may not be available in all jurisdictions or may vary. Life insurance products are issued by AXA Equitable Life Insurance Company (AXA Equitable), New York, NY or affiliate MONY Life Insurance Company of America (MONY America), an Arizona Stock Corporation, and main administrative offices in New York. MONY America is not licensed to do business in New York. Fixed products are co-distributed by affiliates AXA Network, LLC and AXA Distributors, LLC. “AXA” is the brand name of AXA Equitable Financial Services, LLC and its family of companies, including AXA Equitable Life Insurance Company (NY, NY), MONY Life Insurance Company of America (AZ stock company, administrative office: Jersey City, NJ), AXA Advisors, LLC, and AXA Distributors, LLC. AXA S.A. is a French holding company for a group of international insurance and financial services companies, including AXA Equitable Financial Services, LLC. This brand name change does not change the legal name of any of the AXA Equitable Financial Services, LLC companies. The obligations of AXA Equitable Life Insurance Company and MONY Life Insurance Company of America are backed solely by their claims-paying ability.ICC16 GE-115160A (5/16) (Exp. 5/18) Cat. # 156335 (5/16) ................
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