Why it matters
Long-term care, such as help at home, assisted living or a nursing home, is expensive and is generally not covered by health insurance or Medicare beyond short stays. Long-term care insurance helps pay for that care so your savings and your family are not stretched thin.
Traditional and hybrid policies
Traditional long-term care policies pay toward care costs. Hybrid policies combine life insurance or an annuity with long-term care benefits, so the money still pays a benefit if care is never needed.
What to compare
Look at the daily or monthly benefit, how long benefits last, the waiting period before benefits start, inflation protection and how premiums can change over time.
Questions to consider
- How would I pay for care at home or in a facility today?
- Would I want my family to be my caregivers?
- Would I prefer a policy that pays something even if care is never needed?
Compare your options with us
We will discuss the coverage, premiums, limitations and application requirements together. There is no obligation to apply.
Request my personalized quoteExplore other individual coverage