Long Term Care Insurance

Long-term care includes a range of services and support for people coping with physical and cognitive decline or who need assistance with daily living, from in-home care to nursing facility and hospice care.

Long term care is intended to provide support to those who need assistance due to severe cognitive impairment, or help completing Activities of Daily Living (ADLs) like eating or bathing. Our LTC care solutions can help you pay for almost any level of care, ranging from local care during the day to more specialized support:

• Home health care

• Assisted living

• Nursing home

• Adult day care

• Hospice

Asset-based Long Term Care Solutions Guarantee:

• Premiums never increase

• Benefits never decrease

• Assets grow at a guaranteed rate

• Death benefits are available if not used for LTC

• The option to have your premium returned

It’s true, there are asset-based care solutions that offer guarantees that traditional long term care insurance simply cannot.  Traditional long-term care insurance doesn’t feature cash value, a death benefit or a way to get your money back. And many of these products have seen significant change in the past few years, from unexpected premium increases to carriers leaving the market altogether.

You can be confident that asset-based long term care solutions are stable, predictable and guaranteed.