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 show you options from highly-rated carriers. Then we help you find the structure that fits 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 1992

For over 30 years, ACACIA has walked clients through long-term care annuity decisions with clarity and confidence.

✔ Independent agency representing multiple insurance carriers
✔ Unbiased comparisons of leading LTC annuity providers
✔ Pressure-free conversations with licensed specialists

Confidential • No obligation • Licensed in 49 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

ACACIA Insurance Services rated 5.0 out of 5 from 56 Google reviews.

  • Tom S. ★★★★★
    If you are shopping for long-term care insurance, then I strongly recommend that you contact Craig Matesky at ACACIA Insurance 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!
  • Carol U. ★★★★★
    You will not find anyone more patient and knowledgeable in the long term care arena than Mike Berger. He can answer any question you might have about LTC plans, including questions about state laws and 1035 exchanges and anything else you can come up with! And he will do it graciously. Highly recommend.
  • Emily V. ★★★★★
    Our decision to buy long term care insurance was a smart one. My husband received home care benefits for over three years before he passed away. Now I've been getting home health care paid by the policy for almost two years. It has greatly reduced the burden on our family and our savings. We are so grateful for the ACACIA Insurance agent that sold us our long term care policies and assisted us with the claims process.

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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The Likelihood of Needing 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 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 submit your details.

Request LTC Annuity Pricing

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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