Make Your IRA Work for Long-Term Care

Your IRA may be one of the most efficient ways to fund long-term care insurance protection. An IRA-based strategy can help you:

  • Convert RMDs into meaningful LTC coverage
  • Shield retirement savings from rising care costs
  • Explore hybrid LTC plans, annuities, and other IRA compatible solutions

Our team can help you understand which options fit your age, health, and IRA balance.

Why ACACIA Is Trusted for IRA Based LTC Planning

  • 30+ years focused on long-term care planning

  • Specialists in IRA funded LTC, hybrid policies, and annuity based strategies

  • Access to top-rated carriers with clear, side-by-side comparisons

  • Independent guidance — no sales pressure, ever

Confidential • No obligation • Licensed specialists 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!

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 IRA review.

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

Long-term care insurance shopper's guide.

 

Compare Your IRA Based LTC Options

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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