Long-Term Care Insurance

Helps clients plan for future healthcare needs by protecting their savings from being depleted for care.

Individual Solutions

Traditional LTC

A pay-as-you-go policy with lower initial premiums and tax advantages, offering flexible long-term care coverage.

Hybrid Life & LTC

A single or short-pay premium policy combining life insurance with guaranteed LTC benefits, ideal for those wanting a pre-funded solution.

Life with LTC Rider

A life insurance policy with an LTC rider, allowing the acceleration of the death benefit to cover care expenses while leaving remaining benefits for heirs.

Business Solutions

Multi-Life Discount Plans

Multi-life programs can offer LTC coverage at a discounted rate and streamlined underwriting.