Plan Ahead for the Care You Might Need

Real Care Requires Real Planning

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As we age, the chances of needing long-term care increase — and so do the costs. Whether it’s help at home, in assisted living, or in a nursing facility, long-term care insurance helps cover expenses that Medicare won’t.


Our team helps you understand how these policies work, when to buy them, and what coverage makes sense for your family and budget. We’re here to protect your independence, your assets, and your peace of mind.

Long-Term Care Insurance Gives You Options — Not Just Bills

Keep Control of Your Future

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Protect Your Assets & Maintain Your Choices

Long-term care insurance gives you the ability to receive care where and how you prefer — without draining retirement savings or burdening loved ones.

  • Covers in-home care, assisted living & nursing homes
  • Preserves retirement savings & estate plans
  • Reduces financial strain on family caregivers
  • Offers flexibility in where you receive care
  • Helps avoid Medicaid “spend-down” requirements

Plan Now, Worry Less Later

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The Best Time to Plan Is Before You Need It

Most people consider long-term care insurance in their late 40s to early 60s — before health issues arise. Premiums are lower when you're younger and healthier. We’ll help you compare plans, carriers, and riders like shared care or inflation protection.

  • Ideal purchase window: ages 50–65
  • Coverage can last several years or for life
  • Options for daily benefit amounts & waiting periods
  • Choose between traditional or hybrid (life+LTC) policies
  • Underwriting may apply, so earlier is better
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Still Have Questions?

Long-Term Care Insurance FAQs

These are some of the most common questions we hear from clients who want to plan ahead without overpaying — and without overthinking.

  • Doesn’t Medicare cover long-term care?

    Medicare may cover limited short-term rehab, but it does not pay for extended care like nursing homes, assisted living, or in-home personal care.

  • How much does long-term care insurance cost?

    It varies based on your age, health, coverage amount, and type of policy. We’ll help you get quotes and compare options.

  • What’s the difference between traditional and hybrid LTC policies?

    Traditional policies only pay for long-term care. Hybrid policies combine life insurance with LTC benefits, and may return unused premiums to your estate.

  • Can I get a policy if I have health issues?

    Possibly. Underwriting rules vary by carrier. We can help determine eligibility and recommend carriers with more flexible guidelines.

  • Is it worth it if I have savings?

    Even if you have assets, LTC insurance helps preserve your savings, maintain control, and protect your family from unexpected burdens.

Let’s Find the Right Long-Term Care Policy for You

Care Costs Are Rising — Planning Now Makes a Difference