Date

First and Last Names(s)
Address
City, State, Zip
Dear <<First Name>>:
In the time that we have been doing business together, I’ve gained a lot of respect for the thoughtful and considered way you have addresses the issues of planning for you financial security and protecting your lifestyle.  That is why I thought you might be interested in learning how longevity planning can further safeguard you financial future.
There are two hot topics of conversation these days – the aging of America and discussions in Congress about cuts in Medicare and Medicaid funding.  And yet, what most people fail to understand s that Medicare’s coverage for long-term care is limited.  Congress has already tightened eligibility requirements for Medicaid – federally sponsored assistance.
The handwriting is on the wall – paying for long term care is the responsibility of the person who needs care and his or her family.  In today’s world adult children are frequently unable to provide care due to:  people living some distance from their natural caregiver, caregivers who are employed full time outside the home and not available to give care, and caregivers who are themselves older and at risk.
There is good news.  Having a plan in place can give you:
•	Real protection against the possibility of outliving assets.
•	Flexibility to choose the type of coverage you want – home and community care, as well as nursing care
•	The opportunity to make choices now that will preserver independence and quality of life when care is needed.
Because I am not a specialist in this area, and as a service to my clients, I have partnered up with Longevity Planning Specialists at Integrity Direct.  These experienced specialists are able to inform, educate, compare and shop for coverage for you and answer any and all of your questions and ultimately determine what is best for you.  If you do elect to move forward, they can customize your plan to your specific needs and objectives.  When I refer you as one of my valued clients, I want you to know there is no pressure and no obligation.  I want to fulfill my fiduciary responsibility that you at least had a conversation and you explored your options.  Please respond to my email and either indicate yes or no, if you want to set up the referral.  If there is a specific date and/or time that works best, please let me know.
Sincerely,

>>Agent’s Name>>