Plan for long-term care needs
Protect your retirement savings and ensure you get the care you need. Explore insurance options and planning strategies for long-term care.
Start planning for careLong-term care funding options
Compare different approaches to funding potential long-term care needs.
Long-Term Care Insurance
Traditional insurance specifically designed to cover long-term care costs.
- ✓Dedicated coverage
- ✓Inflation protection
- ✓Care coordination
- ✓Family protection
Hybrid Life Insurance
Life insurance with long-term care benefits that provides dual protection.
- ✓Dual-purpose coverage
- ✓Guaranteed benefits
- ✓Death benefit
- ✓Premium return options
Long-Term Care Annuity
Annuity with long-term care benefits for retirement and care planning.
- ✓Retirement income
- ✓Care benefits
- ✓Tax advantages
- ✓Flexible access
Self-Funding Strategy
Building dedicated savings and investments to cover potential care costs.
- ✓Investment growth potential
- ✓Flexible use
- ✓No premiums
- ✓Legacy preservation
Key planning considerations
Care costs
Understand the current and projected costs of different types of long-term care.
Family history
Consider your family's health history and longevity when planning.
Care preferences
Think about where and how you'd prefer to receive care if needed.
Financial impact
Plan for how care costs might affect your retirement and legacy goals.
Types of care and average costs
Understanding different care options and their costs can help you plan effectively.
Home care
Personal care services provided in your own home.
Adult day care
Daytime care services for adults who need supervision.
Assisted living
Residential care with assistance for daily activities.
Nursing home
Full-time residential care with medical supervision.
Your long-term care planning process
Assess your risk
Evaluate your likelihood of needing long-term care based on health and family history.
Calculate potential costs
Estimate what long-term care might cost in your area when you might need it.
Review your options
Compare insurance, hybrid products, and self-funding strategies.
Make your decision
Choose the approach that best fits your situation and implement your plan.
Did you know?
of people over 65 will need long-term care
average length of care needed
potential lifetime care costs
Ready to protect your future?
Don't let long-term care costs derail your retirement plans. Get expert guidance on protecting your assets and ensuring quality care.