Long Term Care

Simple, Thoughtful Solutions for Every Step of the LTC Journey.

Long-term care isn’t just a transaction—it’s a meaningful conversation about health, lifestyle, family, and how your clients envision their later years. A solid plan matters. Don’t face it alone—partner with experts who guide you every step of the way.

Dispelling the Myths

• Isn’t long-term care covered by health insurance?

  Health insurance rarely covers help with daily activities like bathing, dressing, or meal preparation.

• Won’t my family take care of me?

  Family support is limited. Full-time jobs, distance, and caregiver burnout make 24/7 care unrealistic.

• Can’t I just pay out of pocket?

  Long-term care costs can quickly drain savings—even for the wealthy.

• Won’t the government cover it?

  Medicare offers minimal coverage. Medicaid requires spending down assets before assistance kicks in.

LTC Solutions

• Traditional LTC Plans

  Lowest cost, flexible design, inflation options. Limited price guarantees; older plans have seen rate hikes.

• Hybrid Life/Asset-Based Plans

  Turn idle assets into a care fund. No medical exams required. If unused, heirs receive a life insurance benefit.

• Universal Life with LTC Riders

  Life insurance that doubles as LTC coverage. Unused benefits go to beneficiaries. Ideal for younger clients seeking a 2-in-1 solution.

• Annuities with LTC Benefits

  Similar to asset-based plans, but accessible for those who may not qualify medically.