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    • Home
    • LTC Basics
      • The LTC Planning Gap
      • The CAREfidence Process
      • Quantify The Need
      • Planning for LTC
      • The Self-Funding Realtiy
      • TAX-FREE Annuity Upgrade
      • Necessary Legal Documents
      • Don't Go It Alone
      • News & Notes on LTC
    • Design A Plan
      • Could This Be YOUR Plan?
      • Customize A Plan For Me
      • Insurance Options for LTC
      • Insurance Carriers
    • About Us
      • What Is CAREfidence
      • Why Use CAREfidence?
      • Who Is CAREfidence
      • CAREfidence Events
    • Book Appointment
    • Contact Us
  • Home
  • LTC Basics
    • The LTC Planning Gap
    • The CAREfidence Process
    • Quantify The Need
    • Planning for LTC
    • The Self-Funding Realtiy
    • TAX-FREE Annuity Upgrade
    • Necessary Legal Documents
    • Don't Go It Alone
    • News & Notes on LTC
  • Design A Plan
    • Could This Be YOUR Plan?
    • Customize A Plan For Me
    • Insurance Options for LTC
    • Insurance Carriers
  • About Us
    • What Is CAREfidence
    • Why Use CAREfidence?
    • Who Is CAREfidence
    • CAREfidence Events
  • Book Appointment
  • Contact Us

Insurance Options for A Long-Term Care Plan

Traditional LTC Insurance

Life Insurance / LTC Hybrid

Life Insurance / LTC Hybrid

LTC Insurance covers the costs of LTC services, such as nursing home care, assisted living, and in-home care.  The premiums, like health, auto, or homeowners insurance, are not guaranteed.

Life Insurance / LTC Hybrid

Life Insurance / LTC Hybrid

Life Insurance / LTC Hybrid

 This is an insurance solution providing LTC benefits but built on a life insurance chassis. This design provides several funding and policy guarantees that LTC Insurance cannot provide. 

Annuity / LTC Hybrid

Life Insurance / LTC Hybrid

Life Insurance with a LTC/CI Rider

This is an insurance solution providing LTC benefits but built on an annuity chassis.  This design provides several funding and policy guarantees that LTC Insurance cannot provide. 

Life Insurance with a LTC/CI Rider

Life Insurance with a LTC/CI Rider

Life Insurance with a LTC/CI Rider

This is an insurance solution that combines traditional life insurance with the option to access a portion of the policy's death benefit in the event the insured person requires LTC.

Annuity with Income Riders for LTC

Life Insurance with a LTC/CI Rider

Annuity with Income Riders for LTC

 This is a solution that combines the features of an annuity with the option for enhanced income payments if the annuitant becomes ADL-impaired or is confined in a nursing home.

See Strategies and Solutions To Consider...

Health As An Asset Class.....

 This video explains that as you age, the state of your health becomes more uncertain.  To capitalize on your good health today, ensure the flexibility and funding options when care is needed in the future. 

Long-Term Care Insurance

 See how Long-Term Care Planning can help protect the most important things – spending time with family, staying in the home you love and using your nest egg to make retirement dreams come true. 

Annuity / LTC Hybrid

Combine LTC benefits with the enhanced guarantees of an Annuity.

Start The LTC Planning Journey

Longtermcare.gov provides a quick overview of the importance of starting down the Long-Term Care Planning path....

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