About 70% of people will need long-term care insurance once they reach the age of 65. As people age, their health deteriorates, and they start to develop illnesses, disabilities or other conditions that need daily oversight. The cost of long-term services and support, such as assisted living arrangements, nursing homes, and residential care facilities, can be quite expensive. If you take the proper steps, you can make sure that you and your family gets the long-term care that they need. The last thing you want to panic about when your family needs help is where the money will come from. There’s no need to sweat while looking up long-term care insurance rates in California or wondering how the numbers will ever work out. Capital Retention’s hybrid LTC is the ultimate solution that will help cover your long-term care costs affordably and flexibly. We only offer plans from the most respected, well-known, innovative insurer’s in the country. We serve all of California, and every other state except New York. We have single-payment plans for the very wealthy that protect your heir’s inheritance. You may choose our age-at-home plans for middle income families, that allow cash benefits to family caregivers.
Wealth or Health? Why Not Both?Capital Retention, Inc. provides a hybrid approach to healthcare that works as reliable insurance as well as a wealth-protecting investment. Our asset-based premium plan helps you grow and protect your assets. Traditional policies offered by other long-term care insurance companies in California fail to keep pace with long-term care expenses. Our hybrid policies keep up with the increasing assisted living and nursing facilities rates in California. With our estate hybrid LTC insurance, you’ll enjoy:
- 100% of your premium returned if you cancel your policy
- Flexible access to premium dollars, allowing you to withdraw any amount at any time
- Income tax-free death benefit for your estate
- Guaranteed interest to help your policy grow