Finally, a LTC Insurance Solution for Estates!

Your policy is guaranteed to never lose value

Capital Retention markets hybrid insurance plans that are game-changers, your policy is guaranteed to never lose value. You can cancel your policy at any time and all your premium will be returned (less any benefits paid to you).

Unused LTC cash value transfers to your estate as a Death Benefit

Your estate will receive an income tax-free death benefit of more than the premiums you paid in, if you never draw on your long-term care insurance benefits.

Your premium dollars are always liquid

With these new hybrid long-term care insurance plans your premium dollars are always liquid. You maintain access to the premiums you paid in, and can pull out the entire amount at any time, just like a bank account.

300-800% gain in asset value on day one

Asset-Based long-term care insurance makes better use of your estate’s under-performing assets. You can reposition those assets, for a 300-800% gain in long-term care insurance value, on day one, based on your issue age.

Don’t forget, you can only purchase LTC insurance when you are healthy.

Here is what a respected CPA firm, Stulken, Petersen, Lingle, Walti & Jones, LLP has to say about Asset-Based, Long-Term Care Insurance. This is an unpaid opinion, and the firm receives no cash or other benefit from Capital Retention.

An Example of an Asset-Based Plan

Pass initial health screen, application and underwriting decision


Reposition $100K in assets, 7-yr benefit, Age 60, male, non-smoker


Day 1: $100K now worth $466,131 in LTC, or $5670/mo. for 7 years


Add 5% simple interest rider to protect against inflation


Age 80: $100K now worth $871,463 in LTC, or $9,651/mo.
for 7 years


Never need LTC: $116K
tax-free death benefit for heirs


Select the Premium Mode that Fits Your Estate

Should you not have options to take advantage of the Asset-Based single premium, there are other payment options. Capital Retention can use a 1035 exchange from a cash value life insurance policy that you own. This is a frequent strategy once an estate has grown to a point where life insurance is no longer needed. Depending on the size of the life policy, you may want to add some cash to attain the level of LTC that you wish to cover.

Finally, you may opt for a Multi-Pay plan, to spread your premiums over 5, 7, or 10 annual payments, whichever duration best fits your estate’s cash flow.

We Include a LTC Coordination Benefit

Now consider that every Hybrid Long-Term Care Insurance Solution that Capital Retention offers, includes Concierge-Level Long-Term Care Coordination Services.

The U.S. health care system is a large and complex configuration of highly fragmented services. When you need long-term care services, your access to licensed health care practitioners, who understand the ins and outs of the system can help you and your loved ones get individualized support for long-term care.

When you buy a Premier Single-Premium life insurance policy with long-term care benefits, you automatically gain access to the Long-Term Care Coordination Services benefit at no additional charge.

You Get Licensed Health Care Practitioners Who Can Help You:

  • Help you understand your hybrid long-term care insurance policy benefits
  • Guide you through long-term care claim forms and process
  • Provide in-house certification of chronic illness by licensed health care practitioners
  • Provide pay options, including assigning direct payments to your care provider
  • Help you find appropriate, eligible providers of qualified long-term care services; whether you choose care at home, adult day care, or at a long-term care facility
  • Locate support for services such as home-delivered meals, transportation, housekeeping of minor home modifications
  • Offer caregiver training to your loved ones and/or designated representative
  • Integrate long-term care claims payment with care management, including monitoring your claims to determine if a change in your long-term care plan is needed
  • Promptly close claims upon recovery so that remaining policy benefits can be used for future long-term care claims