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Why Is Long-Term Care Insurance Important?
  • Protect your assets for your spouse and heirs
  • Secure access to quality care without draining your finances
  • Spare your loved ones from the emotional and physical toll of caregiving
Why Choose ACACIA Insurance?
  • Over 30 years of expertise in long-term care planning
  • Access to 15+ highly rated insurance companies
  • Unbiased guidance designed to save you time and money
  • Proudly endorsed by the American Association for Long-Term Care Insurance

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 Our Clients 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!

Google reviews for ACACIA Insurance.

Learn More About Long-Term Care Planning

Long-term care includes the services you may need if you develop a chronic illness, need help with daily activities, or experience cognitive decline. These services can take place at home, in assisted living, or in a nursing facility.
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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 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.

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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 this complimentary e-book with your quote request.

A practical guide to help you plan and protect your future care needs.

Long-term care insurance shopper's guide.

 

We’ll send your complimentary e-book along with your quote request.

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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