Providing protection

for you and your estate


Nearly four in 10 people will need long-term care at some point during their lifetimes. This type of insurance can help you preserve your savings and give you access to a range of care options since Medicare provides only limited coverage and does not cover custodial care … the type older individuals often need.

While certainly appropriate for care of the elderly who require it, long-term care is not something reserved exclusively for older individuals. One-third of all 700,000 stroke victims are under 65, and one-eighth of all Alzheimer’s patients are diagnosed before the age of 65. In fact, 30% of all those who are receiving home health care and almost 10% of those receiving nursing home care are pre-retirement age adults, ranging in age from 18 to 64.

A long-term care policy should be adequate to cover the potential need, considering the daily amount and how long benefits may need to be paid. We can help you determine how long-term care insurance may fit as part of your comprehensive financial plan.

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“Plans are nothing; planning is everything.”

– Dwight D. Eisenhower