Life & Health Insurance
Long-Term Care Insurance
Long-term care insurance covers the cost of extended care services that go beyond what health insurance and Medicare typically cover — nursing home care, assisted living, memory care, and in-home care services that you may need if you can no longer perform basic daily activities on your own. The cost of long-term care has risen dramatically, and a prolonged need for care can deplete retirement savings quickly. Planning ahead with a long-term care policy gives you options for where and how you receive care — and helps protect your assets and your family's financial security.
What Long-Term Care Insurance Can Help With
Coverage options vary by carrier and situation. A licensed agent can explain what applies to your specific needs.
Nursing home care for individuals who need around-the-clock skilled or custodial care
Assisted living facilities for those who need help with daily activities but not full nursing care
Memory care and Alzheimer's care facilities
In-home care services including home health aides, skilled nursing, and personal care assistants
Adult day care and respite care programs
A daily or monthly benefit that helps offset the actual cost of care
Who Often Explores Long-Term Care Coverage
Every situation is unique — a licensed agent can help you decide whether this coverage makes sense for you.
Adults in their 50s and 60s who are planning ahead for retirement-era care needs
People with a family history of chronic illness, cognitive decline, or need for extended care
Those who want to protect retirement savings from being consumed by care costs
Anyone who wants to have options about where and how they receive care if the need arises
Married couples who want to protect one spouse's financial security if the other requires care
Frequently Asked Questions
Have more questions? A licensed agent is ready to help.
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Coverage options vary by carrier and state. A licensed agent can explain details and availability.
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