INFORMATION REQUESTS WELCOMED! If you would like a complimentary consultation to determine if you are on the right track regarding your LTC planning and/or if you want to explore the appropriateness of long-term care (LTC) insurance for you and your family, simply leave a voice mail message for Joe Murphy at 610-918-0590 or send an email to Joe at "joemurphy100@comcast.net" In your message, please include the following: Your Name: Your Date of Birth: Spouse's Name: Spouse's Date of Birth: Your Contact Phone Number: Best Time to Call: Your Street, City, State, Zip Code Address: Joe Murphy's Bio: Joe Murphy is an independent, multi-state licensed Life & Health Insurance Broker, based in West Chester, PA. Joe is a member of the Society of Certified Senior Advisors (CSA)and is currently serving on the board of the Greater Phila. Chapter of the National Association of Insurance and Financial Advisors (NAIFA). Joe specializes in Long-Term Care Insurance products and is very pleased to bring high quality LTC insurance product options to  members of the community. Joe conducts a complimentary  business  as a  Life Insurance broker and also as a Life Settlements broker.   A "Life Settlement" transaction allows an individual to sell his/her life-insurance policy for more than the policy's stated cash surrender value.  This "Life Settlement" transaction  is for people who no longer need a life-insurance policy in force for their originally intended purpose(s) and, who would rather have the maximum cash proceeds for current living situations, such as paying for long-term care expenses or for purchasing an LTC insurance policy.  There are no restrictions on how the  cash proceeds can be used. Joe is a St. Joseph's Prep Class of 1953 alum and a Villanova University Class of 1958 alum.