Welcome to Pelletier Senior Planning
The Modern Alternative to Traditional Long-Term Care Insurance
When it comes to planning for long-term care, many people are surprised to learn just how different the options can be. Traditional Long-Term Care (LTC) insurance has been around for years, but it often comes with uncertainty, limited flexibility, and the risk of paying into a plan you may never use. That’s why more families are turning to Asset-Based Long-Term Care as a smarter, more reliable solution.
Asset-Based LTC combines the protection of long-term care coverage with the guarantees of a life insurance or annuity-based plan. This approach allows you to safeguard your future while maintaining control of your money, offering benefits whether you need care, decide to walk away, or ultimately leave a legacy for your loved ones.
With flexible funding options and guaranteed protections, Asset-Based LTC takes the “what if” out of the planning process and replaces it with peace of mind.
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.
Download Our FREE Guide Called...
Discover 11 Must-Know Long-Term Care Planning Tactics!In this guide you will learn about 11 strategies that...
- Can PROTECT your Hard Earned Money!
- Keep you from becoming a burden to your loved ones!
- Maintain your independence!
- Choosing your own caregivers!
Best of All...
Give you the ability to stay at home,
rather than having those decisions made for you.
20 Waterside Drive, Ste. 202
Farmington, CT 06032