Long Term Care Insurance

LTC insurance can cover all or part of your expenses in the case that you have a debilitating physical or cognitive illness that causes you to need care with the basic activities of daily living . Most policies allow you to choose where and what type of services you receive e.g. home care or care in assisted living facility.

We represent the major Long-Term Care insurance carriers in the market and have specialists that can help you find the best carrier and plan to fit your needs.

Asset Based Solutions

‘Hybrid’ products combine a LTC benefit with an annuity or life insurance policy. This type of policy provides a long term care benefit to the insured if needed. However, in the event the insured does not need long-term care, they still get the benefit of the underlying annuity or life policy. This way the insured has one policy covering various needs.