Long Term Care insurance

This type of policy covers basic daily needs over an extended time.  While health care insurance or Medicare helps pay for immediate medical expenses, such as a surgeon’s bill, long-term-care insurance (LTCI) helps people cope with the cost of chronic illnesses, such as Alzheimer’s disease, or various disabilities.

Long-term care is needed when an individual is unable to perform two out of the six activities of daily living, and over time, paying for that care can become expensive.  LTCI can protect your family and your estate from the high costs of home health care, assisted living, or nursing home.

We have options that ensure that you never run out of money for Long Term Care and premiums will never go up.