Discover the types of insurance products available

Understanding the choices of products available can help as you determine what insurance strategy is right for you.
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Long-Term Care Insurance

Comprehensive coverage to protect your assets and family from future long-term care needs. Pays for care at home, in assisted living facilities and nursing homes. Multiple riders available including a 10-Pay option.

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Linked-Benefit Long-Term Care

A hybrid life insurance policy can be used during your lifetime for long-term care. If you never need care, the asset passes to your estate as a tax-free death benefit. Return of premium and cash indemnity are available.

Hybrid Life Insurance >

Long-Term Care Annuities

A deferred annuity combining a fixed interest rate and possible Indexing strategy with long-term care benefits. Tax-free 1035 exchanges are possible from existing annuities or life insurance. Premiums will not increase.

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Short-Term Care Insurance

Limited benefit plans may be a good fit if you’re uninsurable due to age or pre-existing health conditions. Can also be used to cover the elimination period of traditional long-term care insurance plans.

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Life Insurance Policies

Explore universal, whole life and term to help determine the best life insurance for your situation. The most affordable is term, but it doesn’t have the guaranteed growth of whole life.

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Group LTC Insurance

Group long-term care insurance plans can offer simplified underwriting, 100% tax deductible premiums for C-Corporations and more.

Group LTC Insurance >