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Why Long-Term Care Insurance?
As we age, the likelihood of needing some form of long-term care (LTC) increases. Whether it's due to chronic illness, disability, or simply the natural aging process, long-term care can be costly, and most traditional health insurance or Medicare plans don't cover extended stays in nursing homes or the costs of in-home care. This is why many people turn to long-term care insurance to help cover these expenses.
Long-term care insurance can provide coverage for a wide range of services, including assistance with daily activities such as bathing, dressing, and eating. It can also cover skilled nursing care, physical therapy, and other forms of medical care that may be needed in a long-term care facility or at home.
LTC Opt
Custom Coverage Options
Tailor your policy to cover the specific type of care you anticipate needing, from in-home care to nursing facilities.
Flexible Benefit Periods
Choose how long your policy will cover care costs—ranging from a few years to a lifetime.
Cost-of-Living Adjustments
Protect your policy’s value over time with inflation protection to ensure your benefits keep pace with rising care costs.
Hybrid Plans
Explore options that combine long-term care insurance with life insurance or annuities, providing both protection and investment benefits.