Care Planning
Seven in ten of us will need care. Plan for it while you can still choose how.
Long-term care (help with daily living at home, in assisted living or in a nursing facility) is not covered by Medicare and can cost more than $100,000 a year. Care planning puts a funded plan in place so the decision is yours, your family is not the default caregiver and your retirement savings stay intact.
What we place
Care Planning, in its forms.
Traditional long-term care
Stand-alone coverage that pays a daily or monthly benefit for qualified care.
Hybrid life and LTC
Life insurance with a long-term care benefit; if care is never needed, your heirs receive the death benefit.
LTC annuities
An annuity that multiplies its value when used for qualified care, often with simplified underwriting.
Is this for you?
It usually fits when
- You are in your fifties or sixties and in reasonably good health
- You want to protect a spouse or children from becoming full-time caregivers
- You have assets you would rather not spend down to qualify for Medicaid
How it goes
Three steps, no pressure
- 01
We estimate care costs in your area and your likely timeline
- 02
We compare traditional, hybrid and annuity-based designs
- 03
We place coverage while your health still qualifies you for the best rates
Carrier partners
Who we shop for care planning
- Mutual of OmahaA+
- NationwideA+
- Lincoln MoneyGuardA
- OneAmericaA+
- Securian FinancialA+
- Brighthouse FinancialA
- National Guardian LifeA-
- EquiTrust LifeB++
- Pacific LifeA+
- John HancockA+
- TransamericaA
- MassMutualA++
- Protective LifeA+
- Corebridge FinancialA
- Global AtlanticA
