Why Choose Asset-Based Long-Term Care?

Traditional Long-Term Care (LTC) insurance comes with too many risks:

• Use it or lose it: Pay premiums for years, and if you never need care, you get nothing back.
• No guarantees: Premiums can increase unexpectedly.
• Limited benefits: Restrictions on coverage duration, usage, and care locations.
• Wasted benefits: Spouses or partners can’t access unused benefits.
• No return of premium: Cancel the policy, and you walk away with nothing.

What Makes Asset-Based LTC Different?

• Guaranteed benefits: Pays out whether you need care, walk away, or pass away.
• Shared coverage: Covers both you and your spouse or partner under one plan.
• Locked-in premiums: No surprise increases — your premium is guaranteed.
• Flexible funding: Pay in a single lump sum, over 10, 20 years, or even for life.
• Use your IRA: Fund the plan with your IRA for tax-free benefits.
• Return of premium: Walk away and receive all premiums back, tax-free.
• Lifetime coverage options: Coverage that lasts as long as you need it.

Protect your future, your family, and your assets with confidence.