Long-Term Care

Have a plan in place before you need it.

Three flexible solutions — chosen to match your situation, your health, and your stage of life.

Why this conversation matters

~70% of people

turning 65 will need

some form of care.

Long-term care touches almost every family — but most haven't planned for it.

The good news: long-term care planning has come a long way. Modern solutions answer the question that kept people from acting in the past — "What if I never need it?" — by guaranteeing the value goes somewhere either way. To you, to your family, or to fund the care you need.

For Individuals & Families

Three ways to plan.

Depending on your budget, health, and stage of life.

01

Pay Monthly

Best for healthy clients who want the smallest payment

Premiums are spread across the life of the plan, sized to fit your monthly cash flow. The per-payment commitment is the smallest of the three paths.

The advantages

Lowest per-payment outlay of any funding path.
Starting in your 40s or 50s provides favorable pricing.
No large lump sum required. Best for clients in excellent health.

02

Pay Off in a Set Window

Best for clients who want premiums done before or early in retirement

Coverage funded over a defined window — typically 5, 10, or 20 years — instead of open-ended payments. The plan is paid up by a date you choose.

The advantages

A defined end date — no premium obligation in retirement .
More forgiving underwriting — often available to clients who can't qualify for standalone LTC.
Premium certainty — single payment or short-pay schedule. No future rate increases.
Money never goes to waste — care, death benefit, and tax advantages that increase with age.*

03

Reposition an Asset

Best for clients with cash or low-yield savings to redeploy

Move an existing asset — cash, a CD, comparable savings — into a long-term care plan in a single step. Value is guaranteed whether care is needed or not.

The advantages

The most forgiving underwriting path. Often available to clients who can't qualify for other plans — including those in their late 60s and 70s.
Care funding if it's needed. Death benefit to your family if it isn't.
In many cases, the option to access the repositioned value if your situation changes.

*Tax Advantages: If you have an indivudual Health Savings Account (HSA), you can use pre-tax dollars to cover a portion of qualifying LTC insurance premiums. Business owners can deduct a portion of qualified premiums as well, and depending on how the coverage and business is structured. We will collaborate with your accountant or can connect you with a local CPA for tax advice specific to your scenario.

How we help you decide

A plan that's funded, fits your life, and gives you confidence.

We start by understanding your health, assets, family situation, and existing coverage — then match you to the right approach, or a combination of approaches.