Long-Term Care
Long-term care costs
can hit close to home
A well-designed LTC Insurance plan can help cover all or a portion of long-term care costs. We help you understand your options and plan for your future — so you can enjoy your present.
The reality
More than half of retirees will need this
Long-term care is one of the most significant — and most overlooked — expenses in retirement. More than half of Americans who reach age 65 will develop a serious long-term care need. No matter when or where you plan to retire, it's important to know how you'll pay for it.
Source: U.S. Department of Health & Human Services, Office of the Assistant Secretary for Planning and Evaluation (ASPE), Most Older Adults Are Likely to Need and Use Long-Term Services and Supports, January 2021.
If you pay out of pocket, you'll spend an average of about $140,000 over your lifetime. Yet most people haven’t planned for that risk, and relatively few Americans hold long-term care insurance — which covers nursing home, assisted living, and in-home care costs that Medicare doesn't.
Source: U.S. Department of Health & Human Services (ASPE), Long-Term Services and Supports for Older Americans: Risks and Financing. Averages apply to those who incur out-of-pocket costs; roughly three-fifths incur none.
Infographic courtesy of AARPOur approach
The best rates — and no extra fees
Our clients get access to the best possible rates and highest quality plans based on their individual circumstances. We do not charge any additional fees for our services.
Long-term care is the unsolved problem for so many retirees. Knowing your options and creating a sensible plan is key to protecting your future and your loved ones.
Hybrid plans
Eliminate the "use it or lose it" problem
Clients often ask about hybrid LTC plans — and for good reason. These plans can eliminate the traditional "use it or lose it" concern. You may even be able to exchange an existing life insurance policy through a 1035 exchange for a new policy with living benefits.
Some plans now pay a direct cash benefit — so you can receive care from family or friends at home, or choose any type of care from anywhere in the world.
Protect what matters
Protect your estate and your loved ones
Whether you choose traditional long-term care insurance or a hybrid life insurance policy with living benefits, today's options give you real flexibility to protect your estate and the people you love most.
Let us help you find the right solution — one that fits your life, your budget, and your goals.
Don't leave long-term care to chance.
Let's find the right plan for your situation — at the best possible rate, with no extra fees.
Schedule a consultationLong Term Care Costs Process
Prepare for long-term care expenses
Comprehensive analysis of your financial situation
Experienced advisors to guide your journey
