We deliver a tailored range of long-term care solutions
No one likes to think about needing help later in life but it’s smart to plan for it. Long-term care (LTC) support can be both physically and financially daunting. That’s why having the right insurance in place isn’t just smart it’s empowering. It puts you in control and protects your legacy.
- Nursing Home Care
Concerned about the rising cost of skilled nursing or assisted living? We simplify coverage to include both, so you’re fully prepared. - In-Home Care & Therapy
Want to stay independent as long as possible? Our plans cover in-home nursing, physical therapy, and even medically necessary equipment. - Adult Day Programs
Short stints at adult day centers can greatly ease family caregivers’ burden and our policies can help cover that. - Home Modifications
Planning modifications like wheelchair ramps or grab bars? Many of our plans include benefits for eligible home upgrades. - Coverage for Major Diseases
Alzheimer’s, dementia, and other chronic conditions are included in most policies. We help you ensure full, comprehensive protection.
- Health Insurance Isn’t Enough
Medicare and typical health plans do not cover most long-term care needs especially custodial care like bathing or dressing. - High Likelihood of Need
Nearly 50% of people turning 65 will require extended care; around 1 in 7 may need it for more than five years. - Safeguard Savings & Freedom
Without LTC insurance, families risk depleting life savings or relying on Medicaid late in life. Having coverage ensures peace of mind for both you and your loved ones.
- Traditional LTC Insurance
This standalone policy pays when you’re unable to perform two out of six daily tasks (like eating or dressing), or if you face severe cognitive decline. After a waiting period (typically 30–90 days), you begin collecting benefits. - Hybrid Life-LTC Policies
Combine long-term care with life insurance: if you never use the care benefit, your heirs receive the death benefit. Premiums are fixed for life and protected from cancellation.