Individual Long Term Care Solutions
Our Long Term Care Solutions help protect clients from the high costs of extended care services. They provide financial security by covering care expenses that traditional health insurance or Medicare may not, allowing clients to protect their assets and maintain their quality of life.
- Traditional LTC
- A pay-as-you-go policy with lower initial premiums and tax advantages, offering flexible long-term care coverage.
- Hybrid Life & LTC
- A single or short-pay premium policy combining life insurance with guaranteed LTC benefits, ideal for those wanting a pre-funded solution.
- Life with LTC Rider
- A life insurance policy with an LTC rider, allowing the acceleration of the death benefit to cover care expenses while leaving remaining benefits for heirs.