Long-Term Care Insurance
Cover what Medicare won't.
Roughly 70% of Americans turning 65 will need some form of long-term care. Medicare does not cover most of it. Long-Term Care Insurance — or a hybrid life/LTC policy — pays for in-home care, assisted living, or nursing home costs, protecting your retirement savings and your family from the burden of caregiving.
What's included
- In-home care, assisted living, and nursing home
- Hybrid life/LTC options (no use-it-or-lose-it)
- Inflation protection riders
- Preserve retirement assets for your spouse
Frequently asked questions
Traditional LTC or hybrid?
Hybrid life/LTC policies have surged in popularity because they pay a death benefit if you never need care — your premium is never wasted. We model both side by side.
When should I buy?
Sweet spot is typically ages 50–65. Earlier is cheaper and easier to qualify; waiting risks health changes that disqualify you.