Compare Hybrid Long-Term Care Insurance

Expert guidance to help you choose the best coverage

  • Compare life insurance with LTC benefits from top-rated companies
  • See which options fit your age, health profile, and budget
  • Get clear, pressure-free guidance from licensed specialists

Trusted Long-Term Care Advisors Since 1995

For over 30 years, ACACIA has helped thousands of families compare long-term care insurance options, including hybrid life insurance with long-term care benefits.

✔ Licensed specialists serving clients across 48 states

✔ Unbiased comparisons of leading hybrid long-term care options

✔ Pressure-free guidance to help you make the best choice for your needs

Confidential • No obligation • Licensed in 48 states

We Compare Quotes from Top-Rated Insurance Companies

Trusted by Clients Nationwide

Google reviews from clients across the U.S.

  • Tom S. ★★★★★
    If you are shopping for long-term care insurance, then I strongly recommend that you contact Craig Matesky at ACACIA Insurance … More Services. Craig helped me get the best policy for my needs and budget. He is knowledgeable, friendly, and was always available to address my concerns. Thanks Craig!
  • Caitlin W. ★★★★★
    I have had the good fortune to work with Rhona Unsell in getting my LTC policy. Ms. Unsell is a true professional – her expertise, … More her ability to listen and to provide accurate information – all were so valuable to me. In making important life decisions, qualities like trust, knowledge, and the understanding of how to listen to a client’s needs are critical. Rhona has all these qualities and more. I strongly recommend Ms. Unsell to anyone looking for excellent ongoing service and a caring attitude.
  • Jason S. ★★★★★
    With the new long term care laws passed in Washington State, I was in the market for private LTC insurance. I worked with … More Michael Berger and I was blown away with how hard he worked to get me a plan that met my needs. As the market changed during this process, he was always the first on the phone explaining options and walking through what's next. I was able to get a great plan, at a great price, and can't recommend him and this group enough!

Learn More About Long-Term Care Planning

Long-term care needs and costs continue to rise. Understanding what to expect can help you plan ahead confidently.
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70% of People Will Need Care

If you’re turning 65 today, there’s nearly a 70% chance you’ll need some form of long-term care in your lifetime. The average duration is 3 years.1

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Costs are Rising Quickly

In 2026, the national average cost for 3 years of long-term care is $347,964. By 2046, that’s expected to rise to $692,376.2  Planning ahead helps protect your finances.

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Protect Your Assets and Family

Medicare and traditional health insurance don’t cover most long-term care costs. A well-structured plan can help preserve your assets and reduce the financial burden on your loved ones.

Get the Hybrid LTC Planning Guide

A practical resource to help you understand coverage options and plan for future care needs.
Long-term care shopper's guide.

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1. 2026 U.S. Department of Health and Human Services (www.acl.gov/ltc)
2. 2026 Nationwide Financial annual cost of care survey conducted by HVS