Mike Berger, Regional Sales Manager

Expertise in Long-Term Care Planning

Mike Berger’s journey into long-term care planning began with a deeply personal experience—the diagnosis of his grandmother with Alzheimer’s disease. Witnessing first-hand the emotional and financial strain her condition placed on his family, Mike was propelled into the complexities of elder care and the senior healthcare industry. This challenging period lasted 13 years, during which his grandmother required full-time caregiving. The insights gained from this experience have equipped Mike with a profound understanding of the necessity to safeguard retirement assets against the rising costs of long-term healthcare.

Professional Background and Specialization

With over a decade of specialized experience in long-term care insurance (LTCi), Mike has become a trusted advisor in the field. He collaborates closely with financial advisors, other agents, and individual clients, providing expert guidance on the most effective strategies to supplement the gaps left by Medicare, Medicare Supplements, and Medicare HMOs. His expertise spans several key areas:

• Long-Term Care Insurance – Tailoring policies to fit the specific needs of individuals.
• Life Insurance with Long-Term Care Benefits – Integrating long-term care provisions with life insurance policies.
• Long-Term Care Annuity Policies – Offering flexible solutions that combine investment with care options.
• 1035 Exchanges for Funding Hybrid Long-Term Care Insurance – Utilizing existing policies to finance new solutions that combine life insurance or annuities with long-term care benefits.
• Utilizing Qualified Pre-tax Money to Fund LTC Plans – Assisting clients with directing IRA/retirement distributions to cover long-term care insurance premiums.

Commitment to Client Success

Mike’s dedication to his clients is evident in his meticulous approach to exploring all possible avenues for coverage. His aim is to ensure families are well-protected from the potentially devastating financial effects of extended long-term care needs. His approach is not just about selling insurance; it’s about building relationships and offering solutions that provide peace of mind.

Mike’s profound knowledge and caring demeanor are instrumental as he helps clients navigate the intricate landscape of long-term care planning, making informed decisions that secure their financial future and well-being.