Why Do You Need Long-Term
Care Insurance?

According to LongTermCare.gov, ‘Once Americans reach age 65, there is a 70% chance that we will need long-term care!’ A private room in a nursing home can cost $90,000, per person, per year, and memory care units are even more expensive. Even if your estate can afford to pay $500,000 out of pocket, why would you want to? You might think that only “old people” need long-term care, but, nearly 1 in 5 are 65 to 74 years old.

The biggest problem is these are just statistics, and can’t predict which of us will end up paying long-term care expenses. So, planning for some care only makes sense, especially now that long-term care insurance has evolved into a much better product than was possible even five years ago.


Jim’s Family Waited Too Long to Protect Their Hard-Earned Capital

You don’t think twice about insuring your car, your home, business or health.

Yet few of these potential perils can compare to the financial devastation of uninsured long-term care costs at $90,000 or more per person, per year.

You Can Now Choose an Indemnity (Cash), or a Reimbursement Benefit

You now have a choice when it comes to insurance for senior care. Your Premier Single-Premium policy allows you to choose how you would like to receive your long-term care insurance benefits. Like all the best long-term care insurance companies, you can opt for a reimbursement benefit for your long-term care costs, up to your policy’s monthly maximum LTC benefit amount.

The big news here is you now may also choose an indemnity, or cash benefit, up to your policy’s monthly maximum LTC indemnity benefit amount (up to 80% of your monthly maximum LTC benefit amount). * This means you can now pay a family caregiver a cash benefit for your care at home, so you can stay at home longer. There’s more good news, with this new policy you don’t have to choose until the time comes when you need your long-term care insurance. By being able to wait until you qualify for care, you can make the best choice of which way to receive that care based on your circumstances when the need arises. This is a very unique set of features, and presently the best long-term care insurance suite of indemnity options in the industry.

*The Indemnity Factor is stated in your contract and varies by issue age, gender, and inflation benefit option.

Finally, Real Solutions for LTC Insurance

Hybrid LTC Insurance is the new solution for protecting your estate against rising long-term care expenses. Our new hybrid plans provide traditional LTC protections, but add four more unique features.

Our policy increases your investment 3-8x current value on day one*

*3-8x, based on your age at policy issuance

Your investment stays liquid with a Return of Premium Benefit

Care Coordination Benefit provides a team to support your care needs

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