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Lara & Associates Insurance
816 E Villa Maria Rd, Bryan 77802
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AboutLife insurance is an insurance product that covers and protects you and your loved ones when you are no longer there to provide for them. In its simplest form, life insurance is a ...
AboutLife insurance is an insurance product that covers and protects you and your loved ones when you are no longer there to provide for them. In its simplest form, life insurance is a promise between an insurance company and you, the policy owner. If you pay a certain amount of money (premium) to the insurance company, the insurance company will pay a certain amount of money (death benefit) to the person (beneficiary) you tell us to when the person whose life is being insured dies. There are many types of life insurance. Term life insurance only provides a death benefit for a limited period of time. By contrast, permanent life insurance can provide a death benefit and the potential to build policy cash value that you can access during your lifetime using policy loans and withdrawals.
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Your parent may need help with their activities of daily living, such as dressing, eating, bathing or using the bathroom. They may also need someone to cook meals, do laundry and keep their home clean, if they aren’t able to care for themselves in those ways anymore. And depending on their health status, they may need 24-hour supervision.
Types of Long Term Care
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Whether your loved one needs skilled medical care or just a little help in a home-like setting, there are several options when it comes to long-term care.
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