Protect your life's savings.
Afford the care you deserve.
Medicare will not pay for long-term care. Don't let a nursing home drain your generational wealth. Secure Long-Term Care Insurance to stay in your home and preserve your assets.
- Pays for in-home health aides, assisted living, and memory care.
- Prevents you from becoming a physical or financial burden on your children.
- Traditional policies and Hybrid Life/LTC options available.
Age in Place (Home Care)
Most people want to stay in their own home. Your policy pays for registered nurses, home health aides, and physical therapists to come directly to you.
Asset Preservation
At over $100k a year, a nursing home stay can quickly liquidate your 401(k) and force the sale of your home. Transfer this catastrophic risk to an insurer.
Protect Your Children
Ensure your adult children can remain your loving family members, rather than being forced to become your unpaid, full-time medical caregivers.
Design Your Care Plan
Compare long-term care quotes and hybrid policies from top-rated carriers in minutes.
The Catastrophic Cost of Care
70% of people over age 65 will require long-term care services during their lifetime. The costs are rising drastically every year, threatening to wipe out decades of careful saving.
Home Health Aide
~$61,000 / Year
For those who want to age at home. Based on 44 hours per week. 24/7 care can easily exceed $150,000 annually.
Assisted Living Facility
~$54,000 / Year
A private, one-bedroom unit for individuals who need help with daily activities but do not require 24/7 skilled nursing.
Private Nursing Home
~$108,000+ / Year
For severe cognitive decline or advanced medical needs requiring a private room and around-the-clock skilled nursing care.
The Cost to Family
Lost Careers & Health
Without funds to hire professionals, your children may be forced to quit their jobs to provide your care, devastating their own financial future.
Future Care Cost Estimator
Calculate exactly how much of your nest egg is exposed to long-term care costs, and see how affordable it is to transfer that massive risk to an insurance company.
Your Care Projection
Based on current national averages.
The average duration is 3 years. Alzheimer's can last 8+ years.
Care costs inflate by roughly 3-5% annually.
Your Total Asset Exposure
Total Care Cost (Inflated)
$505k
Paid directly from your savings
Est. LTCi Premium
Per Month (Transfer the risk)
In 15 years, a 3-year stay in a Private Nursing Home will cost approximately $505,000 out-of-pocket. Instead of liquidating your home or retirement accounts, secure an LTC policy today to shift this entire burden.
*Educational tool. Cost exposure calculates base care cost inflated by a conservative 3% annually over the inputted years. Premium estimates are illustrative averages for a healthy 55-year-old. Actual rates depend heavily on exact age, gender, health history, and carrier underwriting.
The "Government Will Pay For It" Myth
Most Americans mistakenly assume their health insurance or Medicare will cover them if they need long-term help bathing or eating. This is a devastating error.
| Coverage Feature | Long-Term Care Ins. | Medicare | Medicaid |
|---|---|---|---|
| Custodial Care (Bathing/Eating) | Yes (Covered fully) | No (Explicitly denied) | Yes |
| Asset / Wealth Restrictions | None (Keep your wealth) | None | Must spend down to ~$2k |
| Choice of Facility/Home Care | Maximum Choice | N/A | Limited to state facilities |
| Duration of Coverage | Years (Based on policy) | Max 100 days (rehab only) | As long as impoverished |
Who Needs LTCi?
Long-Term Care insurance is specifically designed to protect the middle-class and affluent from sudden wealth depletion.
Retirees with Assets to Protect
If you have between $200k and $2.5M in savings, you have too much money to qualify for Medicaid, but not enough to self-fund a $500,000 nursing home stay without going broke.
Parents Protecting Children
If you don't have a plan to pay for care, the burden falls on your kids. LTCi guarantees they can remain your loving family, rather than acting as your full-time nurses.
Planners in their 50s
The best time to buy is between ages 50 and 60. Buying early locks in significantly lower premiums while you are still healthy enough to easily pass the medical underwriting.
Long-Term Care FAQs
Clear answers about securing your future care.
What is a Hybrid Life/LTC Policy?
A massive concern for buyers of traditional LTCi was "use it or lose it." Hybrid policies solve this by combining Life Insurance with Long-Term Care. If you need care, you draw down the death benefit to pay for it. If you pass away without ever needing care, your heirs receive a tax-free life insurance payout.
What triggers the policy to start paying?
Policies are typically triggered when a doctor certifies you cannot perform 2 of the 6 Activities of Daily Living (ADLs) without substantial assistance. These include bathing, dressing, eating, transferring (getting in/out of bed), toileting, and continence. Severe cognitive impairment (like Alzheimer's) also triggers the benefit.
Can Medicaid just pay for my nursing home?
Medicaid is the largest payer of nursing home care in the US, but it is a poverty program. To qualify, you generally must "spend down" your countable assets to roughly $2,000. Furthermore, Medicaid rarely covers 24/7 in-home care, and your choice of facilities is restricted to those that accept Medicaid.