Long Term Care

We help our clients live out their final years with dignity. Planning ahead to most effectively protect your family and assets, and to have great options to choose from, makes all the difference!”

If there was one risk to your family and financial security that had a 70% chance of happening, wouldn’t it make sense to plan for it? We think so. This oft-neglected critical aspect of planning has come to be known as “The Great Retirement Income Gap” and has caused more family hardship and financial loss than just about any other cause.

Don’t wait until you or your loved one needs assistance with daily life to start thinking about how you’ll pay for it and what your options might be! With so many affordable and flexible options for long-term care insurance available, we help make it easier than ever to plan ahead and protect your family and assets!
Scroll down to the sections below for more information about the innovative options.

Long Term Care Options

PURE LONG TERM CARE INSURANCE

Benefit amount is typically based on a cost per day or month for a set period of time.
There is a time deductible called an “elimination period” – typically 60-120 days.
Rating based on Health, age, and gende

LIFE INSURANCE WITH RIDER

Typically allows 50-75% of the death benefit to be used for LTC needs
Some IULs allow 100% access to death benefit, but benefits can fluctuate
Triggered by the same things that trigger LTC insurance

HYBRID LIFE OR ANNUITY LTC POLICY

Allows 100% of the benefit pool to be used for death benefit or LTC needs
Triggered by the same things that trigger LTC insurance
Builds guaranteed interest on the cash value growth
Can receive qualified funds (IRA, 401k, etc.) or non-qualified

ANNUITY LTC POLICY

Designed to create income for retirement, then multiply (typically double) it for the purposes of paying for LTC
Triggered by the same things that trigger LTC insurance
Easier to qualify for than the other 3 options
Can receive qualified funds (IRA, 401k, etc.) or non-qualified

Build And Protect Your Wealth And Leave A Legacy Outside Of Wall Street.