About 70 percent of individuals over 65 will require at least some type of long-term care services during their lifetime. Over 40 percent will need care in a nursing home for some period of time. Factors that increase your risk of needing long-term care are:

• Age – The risk generally increases as you get older.
• Marital Status – Single people are more likely to need care from a paid provider.
• Gender – Women are at higher risk than men, primarily because they tend to live longer.

Notice all the older widows at church- I guarantee there are many more who are homebound or in Assisted Living.

• Lifestyle – Poor Diet and exercise habits can increase your risk.
• Health and Family History – also impact your risk.

While most people who need long-term care are 65 or older, a person can need long-term care services at any age. Forty (40) percent of people currently receiving long-term care are adults 18 to 64 years old. Yes, the history of many Long Term Care Providers can be discouraging, but the Knights of Columbus is unique. Premiums have never been raised and clients have not been denied access to their benefits because of the fine print. I will explain your policy in detail with your family present, and there are options that can fit most peoples’ budget. If you are 40, ask yourself. Do I pay $100/month now or pay $6000/month in today’s dollars for care I need in the future.

Some of you are thinking, I have Cal-PERS (just days ago another “across-the-board” premium increase announcement), or I have Veteran Benefits (long waits for care), or I can utilize Medi-Care (limited benefits), or I will be covered under Medi-Cal (no money left-poor care). My current policy is all I need (see above). Why not get a second opinion?

Husbands, you owe it to your future widow to consider her Long Term Care after she took care of you.

If you are not currently a LTC policyholder, I suggest that we schedule some time together so that I can provide additional information on how you can avail yourself of this significant, value added benefit.

Fraternally, Your Brother and Field Agent,
Marco Manrique
CA LIC 0I39878, FA16570
(707) 301-1783
marco.manrique@kofc.org

In 2008, after the stock market peaked then crashed, many investors who had 401K’s, IRA’s, ROTH’s, and other types of retirement accounts asked themselves- Why didn’t I move some of my money out of stocks and mutual funds to protect it from loses before the crash? They had seen from their statements that their accounts had grown substantially. They hoped the accounts would continue to grow, only to see losses. What did they learn?

For those who set up IRA’s, ROTH’s and annuities with the Knights of Columbus before 2011, there is an option to rollover some or all of your investment profits to those KofC accounts that guarantee 3% or more. Not only are you receiving “Tax Deferred Growth” but there are no fees. Transferring your realized profits when the markets are up protects your gain and minimizes the effect when the markets go through another “correction”. You can feel comfortable your KofC annuity investment is secure because of the strength and knowledge of Knights of Columbus. The deposits you invest with the Knights of Columbus does not fluctuate with the stock or bond market. You gain “peace of mind” when you think about your Knights of Columbus accounts.

If you haven’t set up an account with the Knights of Columbus, why not explore the possibilities today? Though the Guaranteed Interest Rate is lower (1.5%) today than two years ago, we are still paying 2.50% on all new accounts. For as little as $300.00 initial deposit, a retirement account can be customized to meet your needs. If you are retiring soon, I can assist you with your retirement planning and explain how your Retirement Savings Plan works. Together we can maximize your benefits.

As your professional Knights of Columbus insurance agent, I look forward to helping you protect and grow your assets.
Fraternally, Your Brother and Field Agent,

Marco Manrique
CA LIC 0I39878, FA16570
(707) 301-1783
marco.manrique@kofc.org

A poll of Americans confirmed that religious beliefs and values should be an integral guide to business decision making.

Unfortunately, those surveyed also revealed they believe personal and corporate profits drives executives’ decisions. Overall, a majority of Americans believe that the moral compass of corporate America points in the wrong direction. In addition, most Americans believe corporate executive decisions reflect a misguided tenet that share holders interests are more important than the customer or the employees. Only 19 percent of Americans would award corporate America a grade of A or B for its honesty and ethical conduct.

The positive side is that 75 percent of Americans surveyed believe that it is possible to be successful and ethical in business. They also believe that high ethical standards strengthen a company’s advantage over its competitors, in both the short- and long-term.

It is of paramount importance that all Knights recognize the moral and ethical commitment of the Order to serve its members and their families. Our commitment is to present the best advice and provide the best options to protect our member’s families. “Brother Knights assisting Brother Knights”.

Working with Long Term Care, Retirement Planning, Disability Insurance, and Life Insurance is a passion for me thus I believe building a sound financial safety net is of great importance for oneself and their loved ones.

Fraternally, Your Brother and Field Agent,
Marco Manrique
CA LIC 0I39878, FA16570
(707) 301-1783
marco.manrique@kofc.org

“It’s Time to Face the Long-Term-Care Dilemma”
Wall Street Journal Online (06/09/14) Blumenthal, David

For the 69 percent of seniors who will need long-term care, there are few good options. Many will receive help from family or friends, but AARP says that declining family size means a 43 percent reduction in the supply of these “informal” caregivers by 2030. Roughly 12 percent of Americans over 65 have private long-term care insurance, but that paltry proportion is declining rather than growing. There are other challenges. Increased life expectancy will likely mean more demand for these services, and rates of disability for boomers are increasing, due in part to the obesity epidemic. There is some good news: Medicaid has increased funding in recent years for home and communitybased long-term care services, and states are innovating to promote and support informal caregiving. But it still adds up to a frightening reality. For many boomers, the only option will be spending down to poverty, moving into a nursing home and having Medicaid foot the bill.

No One Wants to Be Dependent on RFC (Relatives, Friends, or Charity)!!

The Knights of Columbus believes in helping you keep your promises. Long-Term care Insurance with the order can help you to do just that. Long-Term care can devastate a family’s finances and seriously deplete funds you have saved for retirement, or had planned to leave to your heirs. For those who wish to preserve their estates, reliance on government programs for Long-Term care is usually not an option. Expenses for Long-Term care are substantial and can seriously erode your estate, quickly undermining the most well crafted asset protection plan.

Fortunately, there is a way to keep this from happening. Contact me to discuss how Knights of Columbus Long- Term care Insurance can help you.

Fraternally, Your Brother and Field Agent,
Marco Manrique
CA LIC 0I39878, FA16570
(707) 301-1783
marco.manrique@kofc.org

July 1st is here. A new Columbian Year has started with new officers, new agendas, and new ideas.

I am thankful I took the first steps to become a Field Agent with the Knights of Columbus last year. The wonderful reception I have received from the Councils since then and the sense I am doing God’s work to help Catholic Families protect their financial futures keeps me motivated. I have the privilege to promote the vision of Father Michael J. McGivney by providing Catholic solutions to my faithful brothers who want to provide for their family’s security while supporting the Catholic Church and its values.

Since the Knights of Columbus will always be a high priority for me, I wonder why many of our members fail to pay their dues. The annual dues assist so many wonderful Catholic causes; seminarian training, priest retirement, pregnancy centers, Catholic school scholarships, food pantries, emergency services, and grants for the unfortunate. Besides daily prayer, your dues are your minimum commitment as a member of the Knights of Columbus. If you are having trouble paying your dues, contact myself or your Financial Secretary. Give us an opportunity to find a solution. Waivers can be provided because of financial hardship, sickness, or you being out of area. For those who are out of the area, have you thought about transferring to a local council? It is as simple as paying you current dues to your current council and filling out a Form 100 with your updated information.

On a more positive note, congratulations to all the new officers and welcome to a new year. I trust your efforts will make the world better.

Fraternally, Your Brother and Field Agent,
Marco Manrique
CA LIC 0I39878, FA16570
(707) 301-1783
marco.manrique@kofc.org

As a father, you worry about your children and do many things to protect them. We try to raise them right and make sure they are prepared to become adults. But have you ever thought about buying life insurance on your child?

When you insure a child, you are protecting his or her future. Did you know that one out of every six adults get rated, postponed, or denied for insurance coverage? If you purchase a policy for your child from the Knights of Columbus, it guarantees that more insurance can be purchased for that child without proving insurability.

Unfortunately, as fathers we don’t have a crystal ball to tell us the future of our children. Your child could eventually have a rare disease, cancer, or be overweight. Did you know you can purchase a child’s policy, in many cases, for less than $10 a month?

I’ve heard it said that people don’t want to “profit” from the death of a child, so they won’t purchase coverage on their children. God forbid something tragic happens, those funds can come in handy at a time when finances will be the last thing on a parent’s mind. I have never heard a story about someone who regretting buying coverage on a child.

Contact me today to discuss the many policy options for child plans, including 10- and 20-Pay life insurance, as well as your other insurance needs.

Fraternally, Your Brother and Field Agent,
Marco Manrique
CA LIC 0I39878, FA16570
(707) 301-1783
marco.manrique@kofc.org