Insurance Policies
Protect your retirement savings and prepare for the unexpected.
Many people underestimate the potential cost of long-term care services such as home healthcare, assisted living, memory care, or nursing facilities. Planning ahead can help preserve your assets and provide greater flexibility when care is needed.
The Basics
Long-term care refers to services that assist with daily living activities due to aging, illness, injury, or cognitive decline.
Care may be provided:
Medicare typically covers skilled nursing for up to 100 days only after a qualifying hospital stay — and only for skilled care, not custodial care. Planning ahead with the right coverage is essential to protecting your retirement assets.
What We Help With
Long-term care planning isn’t just about buying a policy — it’s about building a strategy that protects your assets, preserves your choices, and ensures that care is available when you need it most.
Standalone long-term care insurance policies that pay a daily or monthly benefit toward qualifying care costs. We help you compare benefit periods, elimination periods, inflation riders, and premium structures across multiple carriers.
Life insurance policies with long-term care riders combine death benefit protection with LTC coverage. If you never need care, your beneficiaries receive the death benefit. A highly popular solution for those concerned about paying premiums for a benefit they may never use.
Certain annuity products include long-term care riders that can double or triple your income benefit when care is needed. These products offer tax-advantaged growth alongside built-in care protection — without the risk of losing premiums.
We help you build a comprehensive LTC strategy that protects your home, savings, and retirement accounts from being spent down on care costs — including coordination with Medicaid planning where appropriate.
Beyond the policy, we discuss care facility options, family caregiver considerations, and how to document your wishes so your loved ones are never left guessing — and are never financially blindsided by a care event.
The best time to plan for long-term care is before health conditions make you uninsurable. We recommend reviewing your options between ages 50 and 65 — when premiums are lower and more products are available to you.
Find Your Path
Long-term care planning isn’t just for the elderly. The earlier you plan, the more options you have and the less you pay. Find the situation that resonates with you.
The 50s are the ideal window — premiums are lower, more carriers will insure you, and your options are widest before health conditions emerge.
If you’re 60–65 and haven’t addressed LTC yet, there are still strong options available — including hybrid policies that don’t require ongoing premium payments.
Long-term care costs are one of the leading causes of retirement asset depletion. The right policy ensures your savings are never spent on nursing home bills.
Home care is the most preferred type of care — and the most expensive without coverage. LTC policies with home care benefits make this a real option.
Without a care plan, the responsibility often falls on adult children — emotionally and financially. LTC coverage protects both you and the people you love.
Explore our Learning Center for plain-language guides on LTC costs, planning timelines, and how to evaluate coverage options at your own pace.
Long-Term Care
Taking proactive steps today provides peace of mind for tomorrow. Here is how planning for long-term care helps secure your future:
Ready to secure your future?
Schedule a no-obligation consultation to walk through your options, evaluate different plans, and construct a long-term care roadmap that protects what matters most.
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Jordan Shanbrom is an independent insurance broker. CA Lic. #0I14445. This page is for informational purposes only and does not constitute financial, legal, or tax advice. Care cost statistics are estimates and may vary by provider, location, and level of care. Long-term care insurance policy benefits, premiums, and availability vary by carrier and applicant health status.
