Why Long-Term Care Insurance?

Because without an LTCi plan, your default plan is to “self-insure”.  All of your countable assets will be calculated and utilized if you are in the 70% of us who will have an extended care need.  Think of it this way…would you knowingly “self-insure” your home if you knew that there was a 70% chance that you would have to replace it in the future?

Kiplinger’s Personal Finance


“I’m a huge fan of this insurance. If you become ill, it ensures that your spouse will have enough money to eat and your kids won’t be burdened with huge payments. Not having LTC insurance can be a $300,000 to $400,000 mistake.”

Dave Ramsey

“You wouldn’t go without homeowners insurance, so why not insure against the greater risk with long-term care insurance?”

Terry Savage: The Savage Truth on Money

“About 70 percent of people over age 65 require some type of long-term care services during their lifetime. Since there is a good chance that you might need long-term care services at some point, it is important to explore your options and plan ahead.”

United States Department of Health and Human Services


Let us guide you and your associates through the very important decisions that you will need to make when creating an LTCi plan to protect your future.