Long-Term Care Insurance
Protect your assets and maintain your independence with comprehensive long-term care coverage
Book a ConsultationPrepare for Future Care Needs
Long-Term Care Insurance helps cover the costs of extended care services that aren't covered by traditional health insurance or Medicare. This includes assistance with daily activities like bathing, dressing, eating, and mobility, whether at home, in an assisted living facility, or a nursing home.
With the average cost of long-term care exceeding $100,000 annually in many areas, having proper coverage protects your retirement savings and ensures you receive quality care without burdening your family financially.
Our advisors help you understand your options and design a policy that provides the coverage you need at a price you can afford, ideally purchased while you're still healthy and premiums are lower.
What Long-Term Care Insurance Covers
Comprehensive coverage for various care settings and services
Home Care
Professional caregivers assist you in your own home with daily activities, personal care, and household tasks.
Assisted Living
Residential facilities providing personal care services, meals, and social activities in a supportive environment.
Nursing Home Care
24-hour skilled nursing care and medical services for those requiring intensive assistance and supervision.
Adult Day Care
Daytime programs offering social activities, meals, and supervision while family caregivers work or rest.
Respite Care
Temporary relief for family caregivers, providing short-term professional care for your loved one.
Memory Care
Specialized care for individuals with Alzheimer's disease, dementia, or other cognitive impairments.
Key Policy Features
Customize your coverage with these important options
Daily Benefit Amount
Choose the maximum daily or monthly amount the policy will pay for covered services, typically ranging from $100 to $500 per day.
Benefit Period
Select how long benefits will be paid, from 2 years to lifetime coverage. Longer periods cost more but provide greater protection.
Elimination Period
The waiting period before benefits begin, typically 30 to 90 days. Longer elimination periods reduce premiums.
Inflation Protection
Automatic benefit increases to keep pace with rising care costs, essential for younger buyers planning decades ahead.
Shared Care Option
Couples can share a pool of benefits, allowing one spouse to use the other's unused benefits if needed.
Return of Premium
Some policies return a portion of premiums to beneficiaries if benefits aren't fully used, providing legacy value.
Why Purchase Long-Term Care Insurance Now?
The earlier you plan, the better your options and rates
Lower Premiums
Buying in your 50s or early 60s locks in significantly lower rates than waiting until your 70s.
Easier Approval
Qualify more easily while you're healthy. Health issues can make coverage expensive or unavailable.
Asset Protection
Preserve your retirement savings and home equity from being depleted by care costs.
Family Relief
Avoid burdening your children with caregiving duties or financial responsibility for your care.
Frequently Asked Questions
Plan for Your Future Care Needs
Get a personalized long-term care insurance quote and protect your independence