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Long-Term Care Insurance: Protect Your Future and Gain Peace of Mind

Stay independent with professional home care services designed to help you manage your daily life with ease.

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What Is Universal Life Insurance?

Universal life (UL) insurance is a type of permanent life insurance that offers significantly more flexibility than whole life. With a UL policy, you can adjust your premium payments and death benefit over time to match your changing financial needs.

Like whole life, universal life builds cash value — but the interest rate fluctuates based on market conditions, typically subject to a guaranteed minimum rate.

Universal life is an excellent choice for individuals whose income may vary from year to year, or who anticipate their insurance needs changing significantly over time.

Long Term Care (LTC) insurance covers the costs of care services when you can no longer perform basic activities of daily living (ADLs) — such as bathing, dressing, eating, or moving — due to chronic illness, disability, or cognitive impairment such as Alzheimer's disease.

Key Benefits

In-Home Care Coverage

Receive benefits for professional caregivers who come to your own home, maintaining your independence.

Assisted Living Coverage

Benefits extend to assisted living facilities, memory care units, and continuing care retirement communities.

Nursing Facility Care

Coverage for skilled nursing facilities ensures you receive comprehensive medical care when needed.

Asset Protection

Shield your retirement savings, home equity, and investments from being depleted by catastrophic care costs.

Family Relief

Remove the physical and financial burden of caregiving from your loved ones so they can remain family.

Inflation Protection

Optional inflation riders ensure your benefit amount keeps pace with rising care costs over time.
Long Term Care (LTC) insurance covers the costs of care services when you can no longer perform basic activities of daily living (ADLs) — such as bathing, dressing, eating, or moving — due to chronic illness, disability, or cognitive impairment such as Alzheimer's disease.

Who Is It For?

Long-term care insurance is a critical planning tool for anyone who wants to protect their wealth and maintain their dignity as they age.

Helping people ages 50 to 65 build a stable, secure retirement plan.

Individuals with a family history of chronic disease.

Individuals looking to secure and grow their retirement savings

Professional support promoting independence and easing family burdens.

People who do not qualify for Medicaid based on their current income levels

Premiums start lower for healthy individuals, yet costs rise as you age and decline.

How It Works

1
Professional Consultation and Comprehensive Clinical Assessment

Your advisor evaluates your finances, health, and retirement goals to select the best benefits for you.

2
Tailor Your Insurance Policy Coverage to Meet Your Unique Needs

Choose your coverage amount, payout length, waiting time, and any extra protection options.

3
Streamlining the Mortgage Underwriting and Approval Process

Complete a health survey and cognitive test now, so you are prepared before issues arise.

4
Access Your Essential Benefits Exactly When You Need Them Most

When you cannot perform two or more ADLs, or are diagnosed with cognitive impairment, benefits are triggered.

Frequently Asked Questions

When should I buy long-term care insurance?

The ideal time to purchase LTC insurance is in your 50s, while you are still in good health and premiums are relatively affordable.

Does Medicare cover long-term care?

Medicare provides very limited long-term care coverage — typically only short-term skilled nursing care following a hospitalization. It does not cover custodial or personal care services.

What is the elimination period?

The elimination period is the number of days (typically 30-90 days) you must pay for care out-of-pocket before your LTC insurance benefits begin.

What if I never use my long-term care benefits?

Some policies offer a return-of-premium or shared care rider. Hybrid life/LTC policies provide a death benefit if LTC benefits are never used.

Ready to Get Started with Long Term Care Insurance?

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