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Long-Term Care Planning & Insurance

Care costs can drain a lifetime of savings. Plan now with traditional, hybrid, or annuity-based coverage that protects your spouse and your legacy.

Plan for long-term care without draining your savings

Care at home or in a facility can cost far more than most families expect, and Medicare covers very little of it. A plan in place early protects your spouse, your savings, and your legacy.

Your options

  • Traditional long-term care insurance: dedicated benefits for care needs
  • Hybrid life insurance with a long-term care rider: care benefits if you need them, a death benefit if you don’t
  • Annuity-based plans that multiply your dollars for care
  • Self-funding strategies for those with larger assets

What it covers

  • In-home care and home health aides
  • Assisted living and memory care
  • Nursing home care
  • Respite and care coordination, depending on the policy

How we help

  • Estimate likely care costs in your area
  • Compare designs and carriers side by side
  • Fit the coverage into your retirement income plan
  • Review spouse coverage and heir protection

Coverage depends on health at application and is subject to underwriting. Benefits, riders, and premiums vary by carrier.

Plan for long-term care

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Ready to talk it through?

A 20–40 minute conversation about your goals. Plain explanations, no jargon or pressure.