Long Term Care Insurance
Protect Your Assets. Preserve Your Independence.
Long term care insurance covers the cost of care when chronic illness, disability, or aging limits your ability to perform daily activities — so your savings stay intact and your family isn't burdened.
What Is Long Term Care Insurance?
Long term care (LTC) insurance pays for services that help you with daily activities — bathing, dressing, eating, and mobility — when you can no longer manage them independently. Care can be received at home, in an assisted living facility, or in a nursing home. Without LTC coverage, these costs can quickly erode a lifetime of savings. The average nursing home stay costs over $90,000 per year, and the need for care can last years.
Key Benefits
What Long Term Care Insurance Covers
Home Care Coverage
Receive care in the comfort of your own home with benefits that cover in-home aides, adult day care, and homemaker services.
Assisted Living Benefits
Cover the cost of assisted living facilities that provide personal care, meals, and supervision in a residential setting.
Nursing Home Coverage
Protect against the high cost of skilled nursing facility care, which can exceed $100,000 per year in many states.
Asset Protection
Preserve your retirement savings, investments, and estate from being depleted by long term care expenses.
Inflation Protection
Optional riders increase your benefit over time to keep pace with rising care costs — critical for policies purchased years before care is needed.
Family Relief
Reduce the physical, emotional, and financial burden on family members who might otherwise become unpaid caregivers.
Who Should Consider Long Term Care Insurance?
Pre-retirees in their 50s and early 60s — the ideal window to lock in lower premiums before health changes
Individuals with assets worth protecting who don't want to self-insure against a six-figure care event
Those without a spouse or family member available to provide unpaid care
Anyone who wants to maintain control over where and how they receive care
Plan for Care Before You Need It
The best time to apply for long term care insurance is before a health event makes coverage unavailable. Let us help you find the right policy now.