Compare Life Insurance with Long-Term Care Options

Our 30 years of professional experience will save you time and money

Multiple Life Insurance with LTC Providers

Find the best life insurance with long-term care policy with our highly rated companies, multiple plan options and expert long-term care advisors.

We impartially shop the market of highly rated insurance companies to help you find the best benefits, rate and company. We’ll supply you with ratings and plan comparisons of the companies that sell long-term care life insurance.

Life Insurance with LTC Advantages

  • Permanent life insurance that can be used during your lifetime if you need long-term care at home or in a facility
  • If you never need care, the cash value of the policy passes to your estate as a tax-free death benefit
  • The plans can build cash value and have a Return of Premium option
  • Cash Indemnity plans are available

Long-Term Care Planning Guide

Long-term care insurance planning guideDownload this complimentary e-book with your inquiry — “What You Need to Know About Long-Term Care Insurance.

What Our Customers Are Saying

  • 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 includes the support and services you might need for activities of daily living or severe cognitive impairments, whether it’s in your home or in a facility.

70% Risk of Needing Care

Those turning age 65 today have an almost 70% chance of needing care during their lifetime. The average length of care is 3 years.1


Increasing Cost of Care

In 2024, the national average cost for 3 years of long-term care is $340,566. That cost is projected to be $677,652 in 2044.2


Preserve Your Wealth

A well-designed long-term care life insurance plan can help cover all or a portion of future care needs that Medicare and health insurance do not cover.

Download this complimentary e-book with your inquiry.

Long-term care shopper's guide.

1. 2024 U.S. Department of Health and Human Services (
2. 2024 Nationwide Financial annual cost of care survey conducted by HVS