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Your Resource For Long-Term Care Insurance

What Long Term Care Insurance Really Does
  • It provides a dedicated stream of income that funds your LTC plan should you need care. 

  • More importantly, it preserves the emotional, physical and financial wellbeing of those you care about.

  • Allows caregivers to supervise instead of providing your care.

  • Your children won’t have to put their lives on hold to provide your care.

  • Protects your primary source of income, so it can still be used to keep your financial obligations, and maintain your family’s current lifestyle.

  • Helps to secure the financial viability of a surviving spouse or other family members.

One Size Doesn't Fit All

Everyone’s needs are different and long-term care insurance isn’t for everyone.  We can help you explore your options so that you can make an informed decision.  We customize our recommendations based on your goals, budget, and personal situation.

 

         We’ve Been               Certified Long-Term        Care Professionals                 Since 2003

 

We have the training, knowledge, and experience to help you understand your options.  Our agency represents all the top carriers and offers a full range of LTC products so that we can better personalize a plan to address your concerns.

 

     We are easy to work with, always available to answer your questions, and never assume you will purchase a policy.

   Because A Long Life        Is Likely, Planning
   For Long-Term Care           Is A Necessity

You may never need long-term, or extended care, but what if you did? How would it affect your family?

 

And if you do need care, how will you pay for it?  What assets would you liquidate first? Your 401k? Your home?

 

Decisions made in a time of crisis rarely provide the best solutions.  By having a plan as to where and how you want to receive care, and how you plan to pay for it, you’re enabling your loved ones to make decisions based upon your own wishes.

 

The impact of not having a plan for long-term care may affect those you care about much more than it will you!

 

 

  • On average, women live longer and have a greater risk of needing LTC services

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  • As wives and daughters, women provide the bulk of unpaid caregiving and so they’re more likely to need care.

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  • LTC can be expensive and planning ahead will help ensure that adequate funds will be available so that a woman can stay at home and independent for as long as possible.

3 Reasons Women
Need to Plan for LTC
Just Getting Started?

What Does Long- Term Care Cost In Your Area?

LTC Rates are Now More Stable Than Ever!

Stricter regulations have helped to stabilize LTC insurance rates.  New policies require that an actuary certifies that future rate increases are not anticipated over the life of the policy.  If a carrier’s rate increase request is approved by your state's Dept. of Insurance, the increase is capped and the carrier must decrease their profit level based on the initial pricing.  That’s good news for policyholders!
 
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LTC Insurance

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