David M. Warner, CLTC
David M. Warner is a Long Term Care Insurance Specialist licensed in Vermont, New Hampshire, Massachusetts, Maine, Connecticut, Rhode Island, Illinois and Florida. Since 2001, he has helped individuals and small businesses evaluate the risks associated with, as well as the potential consequences of extended long term healthcare. His specialty is in designing and customizing affordable long term care insurance strategies that help families protect retirement assets and life savings while allowing for the preservation of independence and decision-making for those in need of extended care, and their caregivers.
In addition to a long term care planning focus, David offers expertise and experience in Medicare, Medicare Advantage and Medicare Supplement Insurance plans, Prescription Drug coverage (aka PART D), Dental and Vision Plans, Life Insurance, Annuities as well as Irrevocable Funeral Trusts. His licensure, certification and training enable him to bring a broad array of products and programs to help address the unique challenges of each client circumstance.
David has spent the past 29 years in the financial services industry and has earned professional designations with the Cannon Financial Institute, the College for Certification in Long Term Care (CLTC) and The American Health Insurance Plans (AHIP) premier designation for the long term care professional (LTCP.) He works closely with CPA’s, financial advisers and estate planning and elder care attorneys helping educate and motivate both individuals and business owners on the financial viability and tax advantages of proper long term care planning. He is certified to provide workshops and group talks for community organizations and retirement planning audiences.
David is active in the local community having served on the Board of Directors for The Gathering Place of Brattleboro, Vermont an Adult Day Facility, as past President, Vice President and Secretary. David is a regular participant in and fund raiser for The Alzheimer’s Association Annual Memory Walk. David’s wife’s mother Vivian battled with the disease for 11 years and his father recently passed having dealt with the early stages of Alzheimer’s Disease.
David, his wife Elizabeth and two girls reside in Vermont. As a family, they enjoy a variety of indoor and outdoor activities including skiing, snowboarding, skating, golf, hiking and biking, fly-fishing, diving, gymnastics and circus arts, gardening, feeding the birds and 8 chickens, and cooking.
Five Reasons Why People Buy
Long-Term Care Insurance
- BURDEN TO FAMILY: Taking care of people who are chronically ill, can make the caregiver chronically ill. Long term care insurance allows children to maintain their relationship with their parents by helping supervise their care, rather than providing that care.
- ACCESS TO QUALITY CARE: People want access to quality care
at home or at places of their choice, with caregivers of their choice.
- ASSET PROTECTION: For those with assets, there are two ways you can pay for long term care – your retirement portfolio or long term care insurance.
- CONTROL AND INDEPENDENCE: People want control and independence choosing where they live and the kind of care received.
- PEACE OF MIND: Long term care doesn’t bring families together, it tears families apart. Long term care insurance brings families together and provides peace of mind.
