Why Plan for Long-Term Care?
More than 70% of Americans over age 65 will need some form of long-term care. Without a plan, those costs fall on your retirement savings — or your family. The right LTC policy lets you stay in control of where you receive care and protects the assets you've spent a lifetime building.
We start by understanding your health, your family situation, and what you want coverage to do for you.
We shop John Hancock, Mutual of Omaha, and other leading LTC carriers to find the best rates and benefits for your age and health profile.
We walk you through traditional LTC, linked-benefit policies, and hybrid LTC/life options clearly — no pressure, just good information.
Once you decide, we manage the entire application and underwriting process through to your policy being issued.
LTC Coverage We Help You Find
We represent the leading long-term care carriers and can compare traditional, hybrid, and linked-benefit policies side by side.
Traditional LTC Insurance
Dedicated long-term care coverage with a daily or monthly benefit, benefit period, elimination period, and optional inflation riders. Usually the most cost-effective for buyers in good health under age 65.
Hybrid LTC / Life Insurance
A permanent life insurance policy with an LTC rider that accelerates the death benefit to pay for care. If you never need care, the death benefit passes to your heirs.
Linked-Benefit / Asset-Based LTC
A single premium annuity or life policy linked to LTC benefits. Ideal for clients who want a guaranteed return of premium if LTC is never needed.
Inflation Protection Riders
3% or 5% compound inflation riders ensure your daily benefit keeps pace with rising care costs over time — critical for buyers who purchase coverage in their 50s.
Couples / Shared Care Policies
Couples can often save significantly on premiums with shared care or shared pool options that let each spouse draw from a combined benefit pool.
State Partnership Programs
Most states have LTC partnership programs that allow your policy to protect an equivalent amount of assets from Medicaid spend-down requirements.
Use the quote form above or call us directly to speak with a licensed long-term care specialist.
Call 1-888-972-0024