Life +
Long Term
Care Insurance

Join the millions of Americans in their 40’s to 70’s protecting their families with:
Life Insurance to cover expenses when you pass
Long Term Care Insurance for eldercare
Description

Comprehensive Insurance for Aging

LONG TERM CARE INSURANCE
While you're living
Protects your Savings
Long Term Care services costs an average of $6,000-$9,000/month, and Medicare doesn’t cover it.
Protects your Family
Without coverage, families quit jobs, sell their homes or use their savings to provide your care.
Lets you Control Your Care
Choose where and how you get care - at home, in assisted living or at a nursing facility
LIFE INSURANCE
After you're gone
Replaces your Income
Provides money to replace the paychecks your family depends on.
Covers Final Expenses and Debts
Handles funeral costs and debts so your family isn’t stuck with bills.
Creates Instant Inheritance
Creates a financial legacy for your children or spouse’s future.
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TESTIMONIALS
“ My mom and stepfather had to sell their home and move closer to family because they can’t afford to put my stepfather into memory care. If they had planned for Long Term Care expenses, they could have paid for a home health aide and remained in their home. ”
Cynthia
Texas
Watching my dad’s decline made us realize the value of Long Term Care Insurance—don't wait to secure your peace of mind.
Ian
Texas
My parents were elderly, but they seemed to be getting around fine on their own. After my dad fell and tore his meniscus things changed. My dad could no longer move around the house and take care of himself, and we knew my mom couldn’t take care of him alone. I’m grateful they had Long Term Care Insurance as it gave them and us children peace of mind. Their policy helped get them into an assisted living home which allowed my dad to get the custodial care and assistance he needed without relying heavily on the family to take care of him.
Joyce
Texas
After my mom took care of my dad for several years, she went out and bought LTC Insurance for herself. She even had the foresight to choose the inflation option. With that insurance, Mom was able to “keep her independence” (as she put it), by having 8 to 16 hour a day home health care for many years. Mom and we kids were ever so thankful that she had that insurance!
Pat
Texas
At 27 I was getting married, well entrenched in my career path, and making all the adult decisions in life. One of those decisions was to purchase a Long Term Care policy. I had no chronic conditions, no concerns about impending disease nor did I think I would need the policy until well into the future (like my 401k). At age 39 this dramatically changed. I couldn't write, my balance was off, and I was seeing double – this was diagnosed as Multiple Sclerosis. My early decision of preparing for the future meant I have total choice on how I receive care, and it also means I do not burden those I love with care needs. If I had waited to purchase a policy until I was 40, I would have been uninsurable.
Laura
Texas
Long Term Care Insurance is vital but often overlooked. It protects individuals and families from the financial and emotional stress of providing care for a loved one. A lack of coverage can burden families, as seen with my brother-in-law's situation. Having a policy allows for professional care, reducing the family's load. Planning with Long Term Care Insurance ensures quality care and peace of mind.
Mark
Texas
People with adequate cash flow and/or Long Term Care Insurance can remain in their home and avoid nursing homes. My mother’s Long Term Care Insurance policy combined with her Social Security and investment income provided her with the necessary income to remain safe in her home during COVID – at a time when nursing home residents were dying at record levels.
Anonymous
Texas
“ LTC can last for years. While it is rarely a happy event, there are vast differences between the two experiences for the individual and their loved ones. Taking control of your situation and not putting the burden on your children or siblings, can mean so much in the families’ time of need. It can mean so much, for the quality of your care. ”
Kevin

Prepare Now,
Feel Confident Later.


The need for life and long term care insurance is not a matter of if, it’s when.

See if This is Right for Me
This policy is right for you if:
You’re in Your 40’s-60’s
Lock in lower rates and eligibility while you’re still healthy.
You Have People Who Depend on You
Life insurance helps protect your family’s financial future.
You’re Planning for Retirement
Now’s the time to safeguard your savings and care options.
You Want to Stay Independent
Long term care coverage lets you choose how and where you’re cared for.
You’re Worried About Care Costs
Insurance protects your assets from high out of pocket expenses later in life.
You Don’t Want to Wait Until It’s Too Late
Acceptance isn’t guaranteed after 70. Don’t wait to protect yourself and loved ones act early.

A Better Option to Age Comfortably

With Insurance Coverage Without Coverage
Qualified Care Costs (Home care, Nursing Facility or Assisted Living) Pays up to $6,000/month* or more Out-of-pocket costs $4,500-$9,000/month
Family Financial Protection Up to $150,000 or more to your family for expenses when you’re gone* $0 inheritance to your family
Stability for Life Once Purchased premiums never increase due to your aging Long-term care costs have increased 3%-7% yearly**
*Rates vary by age, state and smoking status. The above example is for a 40-year old, non-smoker in Texas
** CareScout Cost of Long Term Care 2022 2024

What are you waiting for?

Secure your family’s future. Open enrollment ends July 30.

Lock in the Lowest Rates You'll never be younger than you are today... and younger means lower premiums.
Guarantee Approval age 40-70 Unlike other policies, applicants under 70 qualify for full coverage regardless of health condition.
Be Covered Forever Whether you leave employment or retire, your coverage stays at the same cost and benefits.
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Questions?

We have answers.

Long term care is personal assistance with everyday tasks, known as Activities of Daily Living (ADLs), such as bathing, dressing, feeding, toileting, transferring, and continence. It may be needed due to an accident, illness, aging, or severe cognitive impairments like Alzheimer’s Disease or Dementia. Long term care benefits help with the cost of a nursing home, assisted living, adult day care or home health care if you become unable to care for yourself.

Your beneficiary will receive a death benefit upon your death.

While no one can predict the future with certainty, a few factors can help measure your potential need for long term care such as overall health, family history, lifestyle, aging and an increasing life expectancy. Since long term care needs vary widely, many people plan ahead to ensure they have financial protection and flexibility if care becomes necessary.

This benefit provides lifelong coverage and funds for long term care services. Employer term life only pays a death benefit for a set period and usually ends when you leave your job, while employer long term disability replaces income if you can’t work due to illness or injury but also ends with employment. Unlike those, this benefit is portable, which means you can take it with you if you leave the company or retire.

Medicare provides only limited help with long term care. It’s mainly designed to cover short term medical needs and rehabilitation, not ongoing long term care costs. To qualify for nursing home coverage, you must have a three-day hospital stay, and the care must be rehabilitative. If eligible, Medicare covers the first 20 days in full, requires a co-pay for days 21-100, and offers no coverage after day 100.

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