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Long Term Care Insurance Solutions

When planning insurance strategies, don't overlook the possibility that you or a loved one may need long-term care - or custodial services -- because of a chronic illness, disability, or cognitive impairment such as Alzheimer's. As life expectancy increases, the odds of needing long-term care are growing. So are the costs.


  • Statistics show that one-half of Americans over 65 will need long-term care
  • It's estimated that one-third of Americans will need to provide for someone needing such care
  • Facility (nursing home, assisted living) costs can easily run in excess of $60,000 per year
  • The average stay in a facility is two years
  • Medicare and health care plans do not cover custodial services in most cases
  • Medicaid covers expenses only when assets are depleted to the poverty level

These policies help alleviate the financial burden of long-term care.

  • You retain independence -- the freedom to choose the level of care that's right for you
  • The younger you are when you purchase a policy, the lower your premiums
  • Select the coverage you want -- facility only or comprehensive care
  • Your children can plan for college, retirement, or other goals with confidence that your care is provided for

Today's long-term care policies are flexible and affordable. To explore policy features and ways to manage premium costs, please contact us