Insurance Options for A Long-Term Care Plan

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.

 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. 

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. 

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.

 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.