CarePlus is a Master General Agent that pays renewals up front on Long-Term
Care Insurance (LTCI) sales. That simply means instead of receiving a small yearly payment on renewals over 15 or 20 or 25 years, for example, you’ll receive everything coming to you the very first year. Then use your earnings however you wish—for immediate income, to reinvest, or to save for emergencies or major expenditures such as school tuition.

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• Most mature Americans are thinking about and planning for the next 20 to 30 years.
  
  
• They want to protect their assets from unexpected long-term illness...to preserve their choice of care options in their own home or in a Nursing Home...and ensure their family's inheritance.
  
  
• At CarePlus Insurance Agency, we believe that Long-Term Care Insurance is the most effective vehicle for accomplishing these objectives.
  
  
• CarePlus delivers highly personalized consultation and objective expertise…helping our clients determine the best Long-Term Care protection for their specific needs and budget.
  
  
• Long-Term Care Insurance is issued by Metropolitan Life Insurance Company ("MetLife®")
  and is offered and/or distributed by CarePlus, an independent Master General Agent appointed to sell for Metropolitan Life Insurance Company.

• CarePlus provides valuable Long-Term Care consultation/coverage to Americans typically aged 45 to 75 throughout the U.S. every day.
  
  
• Our management team and Long-Term Care Specialists have hundreds of years experience helping Americans select the right Long-Term Care Insurance for their situation.
  
  
• Thank you for your consideration and trust, and for the opportunity to serve you.
  
  For Agent Use Only. Not for Public Distribution.

Herbert B. Stern
President
CarePlus Insurance Agency, LLC