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What Type of Long-Term Care Insurance
Is Right For You?

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Long-Term Care Insurance Can Help You:

Protect Your Hard-Earned Assets

  • Avoid exhausting your retirement income if or when assisted living, adult day care, or an extended stay in a nursing facility is needed.
  • Guarantee that you don’t need to spend your beneficiaries’ inheritance to support your medical needs.

Protect the Ones You Love

  • Enable your loved ones to maintain their lifestyle after you’re gone.
  • Allow your loved ones to supervise your health care without being fully responsible for your care during illness or in your senior years.
  • Choose where you will receive care whether it is in-home, an assisted-living facility, or a nursing home.
Find the right coverage
to protect your legacy

What is Traditional 
Long-Term Care?

Much like Term Life Policy, you pay for coverage whether you use it or not.

What is Hybrid Long-Term Care?

Hybrid Long-Term Care insurance includes the coverage of traditional Long-Term Care insurance along with a death benefit in case you never need to utilize your policy.

What is Cash Based
Long-Term Care?

A cash-based Long-Term Care insurance policy allows the policy benefits to be used, passed on, or even refunded!!

Uses for Long-Term 
Care Insurance:

When you are no longer able to perform 2 of the 6 activities of daily life whether due to aging or illness, Long-Term Care can help you pay for the care you might need that isn’t covered by Medicare. Depending on your policy, you can use Long-Term Care to pay for:

  • In-home care to help with housekeeping, medications, cooking/cleaning
  • Family care
  • Adult day care facilities
  • Assisted living facilities
  • Skilled nursing facilities
  • Hospice

How Much Does Long-Term Care Insurance Cost?

Policy costs for Long-Term Care go hand in hand with your age and health so they will vary from person to person. Deciding if Long-Term Care is right for you depends on several factors including the cost and your financial plans for your healthcare. We are here to help you navigate when you should consider a Long-Term Care policy.
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