See Which IRA Strategy Fits Your Situation

Get our complimentary IRA Long-Term Care Planning Guide and see how the three strategies may apply to your situation.

What’s Inside:

  • Three IRA funding strategies explained side by side
  • How each strategy affects taxes, premiums, and product selection
  • A practical pre-planning checklist for your consultation
  • Key questions to ask your long-term care specialist

 
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A licensed specialist can help you compare the three approaches and answer questions about how they may work with your long-term care planning.

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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!

Image of ACACIA Insurance Services 52 Five Star Google Reviews.

 

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 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.

Still deciding? Take the guide and compare on your own time.

Get our free guide, Using Your IRA for Long-Term Care Insurance.
All three strategies, side by side, plus a checklist to prepare for your consultation.

Image of Using Your IRA for LTC Insurance planning guide from ACACIA Insurance.

Get My Free Guide
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