Long-Term Care Insurance: What It Is
As we age, the likelihood of needing help with everyday activities—such as bathing, dressing, or eating—increases. Long-term care insurance helps you prepare for that possibility by covering the cost of care services that health insurance and Medicare typically don’t.
Protect your savings, preserve your independence, and give your family peace of mind with a long-term care plan built for the future.
Long-term care insurance helps pay for services that assist with daily living when a chronic illness, disability, or cognitive condition limits your ability to care for yourself. Coverage can be used in a variety of settings, including:- In your home
- Assisted living facilities
- Nursing homes
- Adult day care centers
Why It Matters
- Maintain your quality of life
- Choose where and how you receive care
- Avoid becoming a financial burden on loved ones
Start planning now and your future self will thank you. The best time to buy long-term care insurance is before you need it—while you’re still healthy and eligible for coverage. Waiting can make policies more expensive or harder to qualify for.
Have questions or ready to explore your options?
Contact us today for a personalized consultation and discover how long-term care insurance can fit into your financial plan.
Who Should Consider Long-Term Care Insurance?
- Are between ages 40–65 and planning for retirement
- Have a family history of chronic illness or cognitive decline
- Want to protect your assets and savings
- Prefer the freedom to choose how and where you receive care
- Want to reduce the emotional and financial strain on your family
Benefits of Our Long-Term Care Plans
- Customizable coverage amounts and benefit periods
- Inflation protection options to keep up with rising care costs
- Shared care benefits for couples
- Premium waivers while receiving benefits
- Discounts for couples and healthy applicants