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LONG-TERM CARE PLANNING
Let's plan to take care of your loved ones.
Have the flexibility to choose the care you may need for yourself (or a loved one) while helping to protect all that you've worked so hard for.
What is long-term care, and will I need it?
Many people think they won't need long-term care; however, research suggests they'll need it at some point in their life. And age isn't the only reason. A chronic illness or debilitating injury that keeps you from living on your own or properly caring for yourself can happen no matter how old you are.
Many people also think that the costs of long-term care will be completely covered by health insurance or Medicare but they're typically not. That's why it's important to have a plan in place. Our advisors will help you figure out the best option for you and your loved ones.
Reasons to plan for your long-term care
Get quality care quickly
If something happens, having coverage means you'll have funds ready when you need them.
Choose where you get care
From at-home to a good facility, having a long-term care plan in place can help you afford it.
Safeguard your nest egg
Having a plan for long-term care can help make sure you won't lose a lifetime of savings.
Preserve your assets
Long-term care planning can help keep your financial legacy intact for your family, friends, or charity.
Put loved ones at ease
Those closest to you can focus on support rather than the physical, emotional, and financial burdens of your care.
Reasons to plan for your long-term care
Standalone
This traditional long-term care option is typically more affordable than others and it can be purchased independently of other insurance policies.
Hybrid
By combining whole life insurance with a long-term care rider, you'll have long-term care coverage if you need it, but if you don't, your beneficiaries get the death benefit.
Life insurance with an accelerated payout
Help pay for long-term care expenses by tapping into the death benefit of a life insurance policy, but doing so will decrease the death benefit and surrender value.
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