Insurance. Just about everyone needs it. We buy it while hating it at the same time. If you don't use it...you lose it. Did you know that less than 2% of Americans have Long Term Care Insurance (LTCI)? Why? Because it's expensive and no one knows if they will ever need it. The problem is that as you get older, it gets REALLY expensive. And then if you don't need a nursing home or long term care...that money is GONE! We think that sucks.
So let's propose another idea...don't take money from people that don't use a service! The program we are working on IS NOT INSURANCE. It's a simple deposit. You choose how much you want to pay every month and that amount goes toward your future use of our services. Why is this awesome?
It's transferable. You can use it however you want. If you save up 150 days worth in deposits...you can give some days to Aunt Charlotte to recuperate after her mastectomy or take yourself and 9 friends on a cruise for 15 days each to just have fun. If you pass away with a balance, your heirs can claim it.
It's flexible. Prices start at $25 per month. That means at today's rates ($300 per day), you'll be banking a day on the cruise every year. That day never expires and you can use it for anything. Want to bank more? Great, increase your monthly payments. Have a tough month and need the money for something else? Perfect, we'll keep track of your deposits and when you are ready to resume again...go for it!
It's refundable. You can get a refund for ANY reason. Just let us know you need the money to bail your dog out of jail and we'll refund your deposits (minus a cancellation charge in this case). If our efforts fail and we don't build the ship...we'll send 100% of what you paid us back to you (no cancellation charges or fees at all in this case).
We're still designing the payment system for the Advance Deposit Program (including a better name...got any ideas?). It's not available just yet, but should be rolling out in a few weeks. If you are interested and would like to test it for us, get in touch and we'll let you know early and have you sign up as one of the first to help make sure everything works on our end.