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When Mary Alice Hughes (co-owner) started in the insurance business over 20 years ago, she was trained to be a long-term care insurance specialist. She continues to place high value on this insurance products and encourages clients to consider long-term care insurance as part of retirement planning. Here is Mary Alice’s story:


My first job in the insurance industry was as a long-term care specialist. For the first few years of my career, this was the only product I offered. Back then, it was a very hard sale. As a matter of fact, it is still a hard sale! The objections I received in the early 90s are the same objections I hear today: "It’s not going to happen to me" or "Medicare pays for that!"

Shortly after getting in the business my grandmother started needing home health care. She didn’t have long term care insurance and couldn’t get it because of her health. Long term care insurance is something you buy with your health, not just your wallet. Over the course of roughly 10 years my grandmother received home health care, assisted living facility care and nursing home care. The amount of money that she spent out of her own savings and investments was in the hundreds of thousands of dollars. Those monies could have been saved if she had purchased long term care insurance.

Over the years I have heard the horror stories of people having to ‘spend down’ before getting financial assistance from Medicaid. Thankfully, I have also witnessed the relief and gratitude of those who needed care and an insurance company paid all or most of the costs.

Today I am as passionate as ever about the need for long term care insurance. My question to those of you reading this is simply: If you require assistance with your activities of daily living, or if you are diagnosed with a cognitive impairment, how will you pay the bills?”

Don’t let a long term care situation ruin you financially. Call us today and see how you can protect yourself and the ones you love.


Insurance Advantage

If you need assistance, please use the information below to contact us...


Jacksonville Office -

1200 W. Main Street
Jacksonville, AR 72076
Phone: 501-988-2726

Jonesboro Office -

By Appointment Only
900 Professional Acres
Jonesboro, AR 72401
Phone: 501-988-2726
Fax: 501-988-2725

Working for you, not an insurance company!