Compare Long-Term Care Annuity Options

Expert guidance to help you choose the right strategy

Long-term care annuity products can be a practical way to reposition assets into long-term care coverage with predictable costs and built-in benefits. We help you compare solutions from highly rated carriers so you can choose the right structure for your goals and timeline.

We’ll review benefit design, underwriting requirements, and funding options, including IRA/qualified dollars, nonqualified assets, and a 1035 exchange.

Trusted Long-Term Care Advisors Since 1995

For over 30 years, ACACIA has helped clients compare long-term care annuity strategies and coverage options with clarity and confidence.

✔ Licensed specialists serving clients in 48 states
✔ Unbiased comparisons of leading LTC annuity providers
✔ Pressure-free guidance on funding and underwriting requirements

Confidential • No obligation • Licensed in 48 states

Long-Term Care Planning Guide

Long-term care insurance quotes and shopper's guide.You’ll also get a complimentary copy of our e-book, “What You Need to Know About Long-Term Care Insurance.”  A helpful resource to make informed decisions.

What Clients Say About Working With Our Specialists

  • 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.
image

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

image

Costs are Rising Quickly

In 2025, the national average cost for 3 years of long-term care is $328,884. By 2045, that’s expected to rise to $654,411.2  Planning ahead helps protect your finances.

image

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 your complimentary LTC Planning Guide

Get your complimentary LTC Planning Guide

A practical resource to help you understand coverage options and plan for future care needs.

Long-term care insurance shopper's guide.

 

Your e-book appears immediately after you request quotes.

Request LTC Annuity Pricing

Request Quotes
1. 2025 U.S. Department of Health and Human Services (www.acl.gov/ltc)
2. 2025 Nationwide Financial annual cost of care survey conducted by HVS