Long Term Care
Preserve your independence and protect your assets from the high costs of extended care.
Long-Term Care Insurance Solutions
Long-term care insurance protects your hard-earned savings and independence as you age, covering the help you might need with daily activities like bathing, dressing, or eating if illness or aging makes them difficult. For professionals and pre-retirees, it ensures you get quality care—whether at home, in assisted living, or a facility—without draining retirement funds or burdening family.
What is Long-Term Care Insurance?
Long-term care insurance pays for ongoing support when you can't manage on your own due to chronic illness, stroke, or cognitive decline.
It covers services beyond medical treatment, focusing on daily living assistance so you maintain dignity and choice while preserving assets for heirs.
- Flexible care options: in-home aides, adult day care, assisted living, or nursing homes.
- Tax-free benefits (up to IRS limits) to offset high costs—averaging $100K+/year for facility care.
- Peace of mind: avoids Medicaid spend-down that could force asset sales.
- Customizable with inflation protection to keep pace with rising care costs.
Traditional vs. Hybrid Long-Term Care Policies
Choose the right structure for your needs:
Traditional LTC Insurance
Standalone policy focused solely on long-term care, with premiums paid monthly or lump-sum. Best for those wanting targeted coverage; benefits trigger after 2-3 activities of daily living (ADLs) can't be performed.
Hybrid Policies (Life + LTC)
Combines life insurance death benefit with long-term care coverage—use for care or pass unused portion to family. Ideal for efficiency: one premium covers multiple risks, with money-back guarantee if never needed.
Companies That We Partner With
Who Needs Long-Term Care Insurance?
- Pre-retirees with savings to protect from $300K+ lifetime care costs.
- Couples wanting to avoid spouse impoverishment.
- Family history of Alzheimer's, Parkinson's, or longevity.
- High-net-worth individuals seeking control over care choices.
Our Long-Term Care Process
- Assess health, assets, and family needs in a quick review.
- Compare carriers for best rates and features like non-cancellation riders.
- Lock in coverage before premiums rise with age/health changes.
- Review every 2-3 years to adjust for life events.
Real-Life Protection Example
"John, 62, needed home care after a stroke. His hybrid policy covered $6,000/month for aides and modifications—totaling $150K over 2 years—without touching his $800K nest egg, allowing him to stay home and later leaving the remaining benefit to his kids."
Ready To Secure Your Financial Future?
Connect with an long-term care expert from our team and we will handle everything for you... from start to finish.