Long-Term Care Insurance

The rising costs of home health care, assisted living, or nursing facilities can quickly derail even the best retirement plan. We’ll help you prepare for future care needs so you can make choices on your terms, without putting your family under financial strain.


Get clear guidance on benefits, elimination periods, and inflation protection to understand how your policy works now and in the years ahead. We’ll also review strategies to keep premiums sustainable so coverage stays affordable long term.

What We Help You With:

Hands protecting a person icon.

TRADITIONAL & HYBRID LTC →


Choose between a traditional policy focused solely on long-term care or a hybrid plan that combines life insurance with LTC benefits. Both options provide protection, but the right fit depends on your financial goals and family needs.

Elderly person with cane inside a house.

HOME, ASSISTED LIVING, NURSING →


Coverage follows you wherever care is needed—at home, in an assisted living community, or in a nursing facility. This flexibility ensures you’re supported in the setting that’s right for you.

Price tag with dollar sign next to a rising bar graph, with an upward-pointing arrow.

INFLATION OPTIONS →


Add inflation protection so your benefits grow over time. This keeps your coverage aligned with the rising costs of care, preserving your purchasing power in the future.

Two stick figures, a man and a woman, holding hands.

SHARED SPOUSAL BENEFITS →


Couples can share benefits between two policies, offering more flexibility and value. If one spouse doesn’t use all their coverage, the other can access the remaining balance.

Hand holding gear with a plus sign symbol.

COORDINATION WITH MEDICARE/MEDI-CAL →


Understand clearly what government programs cover—and where they fall short. We’ll help you design LTC coverage that fills the gaps so you’re not left exposed.

LTC FAQ

  • When should I buy LTC?

    Many buy in their 50s–60s while healthy to lock in pricing and eligibility.

  • Traditional vs. hybrid—what’s better?

    Traditional can be cost-efficient; hybrids add life insurance/beneficiary value. We’ll compare.

  • What’s an elimination period?

    It’s like a deductible in days before benefits start (e.g., 90 days).

  • How big should my daily/monthly benefit be?

    We’ll align it with local care costs and your assets.

  • Will premiums change?

    Traditional can increase; hybrids are generally more stable.

Plan Ahead with Confidence

Protect your savings—and your choices.