Without long-term care coverage, the cost of care can devastate decades of savings. Plan ahead and protect what you've worked hard to build.
Long-term care insurance covers the cost of assistance with daily activities — bathing, dressing, eating — when you can no longer perform them independently due to illness, injury, or aging.
Without coverage, these costs can devastate your savings. The average American who needs long-term care requires it for 3 years, but many need it much longer. A single year of care can easily exceed $50,000–$94,000.
The best time to plan for long-term care is while you're still healthy. Premiums are significantly lower when you're younger, and most policies require medical underwriting.
Without insurance, these costs come directly from your savings. LTC coverage steps in so your retirement stays intact.
A standalone long-term care policy that provides a daily or monthly benefit for covered care. Policies can be customized with different benefit periods, elimination periods, and inflation protection riders.
Combines long-term care coverage with a life insurance or annuity policy. If you never need care, your beneficiaries receive a death benefit. No "use it or lose it" concern — your money works both ways.
An add-on to a life insurance policy that allows you to accelerate your death benefit if you become chronically ill. A cost-effective way to add LTC protection to existing coverage.
The earlier you plan for long-term care, the more options you have and the lower your premiums will be. Let our advisors help you find the right solution.