Make care easier on the
people you love.
Long-term care planning can help you remain more independent, protect retirement
assets, and reduce the financial and practical responsibility that may otherwise fall on
your family.
Planning before care is needed
Planning now can make a difficult situation easier later.
Long-term care planning often means thinking through difficult choices before a health event forces them. We help you evaluate how care may be paid for, how to preserve independence, and how to reduce the pressure that often falls on a spouse or family.
The goal is to bring clarity to an issue most people would rather avoid, so you can make thoughtful decisions now instead of rushed decisions later.
What planning can help preserve
More choice for you. Less uncertainty for your family.
Your financial plan
Care expenses can place substantial pressure on retirement savings. Planning ahead can help determine which resources should pay for care and which assets you want to preserve for other purposes.
Your family
When there is no plan, a spouse or adult child may suddenly become the care coordinator, financial decision-maker, or caregiver. Planning gives everyone a clearer path forward.
Your choices
Funding for care can expand the choices available to you, including the possibility of remaining at home longer rather than allowing circumstances alone to determine what happens next.
Ways to plan for care
There is more than one way to
prepare.
Some people prefer dedicated long-term care coverage. Others want a policy that preserves value for their family if care is never needed. We help you understand the tradeoffs and determine which structure fits the role the coverage needs to play.
Traditional
Traditional long-term care insurance
Dedicated coverage designed specifically to help pay for qualifying care. It can provide strong benefit leverage, although premiums may change over time.
Life/LTC
Life insurance with long-term care benefits
Combines life insurance with access to benefits for qualifying care. If care is not needed, a death benefit may remain for beneficiaries.
Asset-based
Asset-based long-term care
Repositions an existing asset into a contract that can provide long-term care benefits while preserving contractual value if care is never needed.
Annuity/LTC
Annuity with long-term care benefits
Uses an annuity to provide additional long-term care benefits, often with funds already intended for conservative growth or future income.
A good long-term care plan should make a hard situation easier on your
family.
Planning before care is needed
Could long-term care coverage give you and your family better options?
We’ll help you understand the available approaches, including traditional long-term care policies and life insurance riders, and whether they fit into your broader financial plan.
Common questions
Answers to common long-term care questions.
These are some of the questions we hear most often.
If yours is not here, we’re easy to reach.
Many people begin evaluating coverage in their 50s or early 60s, when health qualification may be easier and premiums may be more manageable. The right time depends on your health, assets, income, family circumstances, and planning goals.