1 in 2 Americans over 65 will require some form of long-term care. The average nursing home costs over $100,000 per year. Without a plan, those costs come directly from your retirement savings. This is an insurable risk, and we treat it exactly that way.
Traditional Long-Term Care Insurance
Purpose-built policies covering home care, assisted living, and nursing home costs — protecting retirement assets from being depleted by care expenses that can run for years.
Hybrid Life/LTC Policies
A single policy combining life insurance death benefits with long-term care coverage — so your premium is never “wasted” if care is never needed.
Annuity-Based LTC Solutions
Some annuities include long-term care riders that can double or triple your income benefit if you trigger a qualifying care event.
Accelerated Death Benefit Riders
Permanent life insurance with chronic illness riders provides tax-free access to funds for care costs — a powerful alternative to standalone LTC policies.
Medicaid Planning Coordination
We coordinate with estate planning professionals to legally protect assets well in advance of any care need.
Care Cost Stress Testing
We model multiple care scenarios against your retirement plan to show exactly what you’re exposed to without a protection strategy.
Don’t Let a Health Event Become a Financial Crisis
Long-term care protection must be planned before a health event occurs. Most policies require medical underwriting and premiums increase significantly with age. The best time to plan is while you’re healthy.