Long-Term Care Insurance

Help Your Non-Crisis Clients Prepare for a Nursing Home Stay

A Long-Term Care Insurance policy is a staple for any estate plan. If you have a client that is currently healthy but worried about potential future nursing home costs, this product is the perfect solution. It provides your client:

Financial Support for Long-Term Care
Asset Preservation
Security in Retirement

A Long-Term Care Insurance policy provides coverage in the event of a stay in a nursing home, assisted living facility, or if receiving home health care.  It is the ultimate “pre-planning tool,” as it allows flexibility for the long-term care recipient and negates the needs for government assistance programs, such as Medicaid.

 

The hybrid products we offer can be purchased with either a single premium or guaranteed fixed multiple premium payments and can be funded with either non-qualified or tax-qualified funds. The policy also contains a death benefit, so if the owner never needs long-term care, their beneficiary(ies) will receive a wealth transfer.

Long-Term Care Insurance may be right for your client if they…
Are currently healthy and not in need of care.
Are concerned about long-term care in the future.
Want to protect their nest egg.