**Guaranteed-Acceptance Long Term Care Annuity**

About Fabian Norwood Long-Term Care Coverage

Fabian Norwood is an Independent Life Insurance Agent appointed with several A-rated carriers and licensed in Maryland, Virginia, Georgia, Delaware, Washington D.C., and New Mexico. He helps clients secure reliable coverage that protects their families and preserves their financial future. Fabian’s mission is simple: provide straightforward guidance and solutions that truly support the people you care about.

What Fabian Norwood Long-Term Care Coverage Offers

Fabian specializes in helping clients understand and secure life insurance and long-term care solutions that fit their needs. His offerings include:

  • Guaranteed-Acceptance Long-Term Care Annuity (ages 55–80, nobody is declined)
  • Life insurance options from multiple A-rated carriers
  • Personalized one-on-one guidance to help you choose the right coverage
  • Clear explanations so you always understand your benefits

He works closely with each client to match them with the solutions that protect their family, savings, and long-term goals.

Why Choose Fabian Norwood Long-Term Care Coverage?

  • Access to multiple reputable and A-rated carriers
  • Guaranteed-acceptance LTC option—no medical exams or health questions
  • Honest, friendly, and clear communication
  • Licensed across several states for convenience
  • Dedicated to helping families protect what matters most

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  • Guaranteed-Acceptance Long-Term Care Annuity

    Protect your future with long-term care coverage that no one can be declined for. This fixed indexed annuity provides built-in long-term care benefits with guaranteed acceptance for ages 55–80 and requires no medical exams, no health questions, and no records pulled.

    Why this LTC plan stands out:

    • Guaranteed acceptance (ages 55–80)

    • No medical exam, no prescription checks, no MIB reports

    • Uses a fixed indexed annuity with LTC coverage

    • Minimum deposit: $50,000

    • LTC benefit multipliers (up to 325% based on eligibility)

    • Benefits paid whether care is at home or in a nursing facility

    • If LTC is never used, the annuity value can go to heirs or be used as supplemental income

    • LTC claim payments are tax-free

    • Indemnity benefit—no receipts required

     

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