Long-term care (LTC) is any personal assistance you need to maintain your quality of life as you get older.
Some people think that long-term care only covers nursing home expenses. In fact, half of all long-term care services are provided in the home. Long-term care coverage was developed to help offset the cost of these services. We offer long-term care insurance coverage as part of a life insurance policy*, either as rider or a linked benefit.
These solutions can provide protection against long-term care costs and the ability to leave a legacy if these benefits are not needed. Our underwriters evaluate your past and current health situation so our financial team can then help you make the right move towards health-care considerations.
*Policy guarantees and benefits are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any other affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.