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.
LTC Insurance >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 >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.
LTC Annuities >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.
Short Term Care >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.
Life Insurance >Group long-term care insurance plans can offer simplified underwriting, 100% tax deductible premiums for C-Corporations and more.
Group LTC Insurance >