Long Term Care Plans

Long-term care (LTC) insurance covers nursing-home care, home-health care, personal or adult day care.  This can help insure your retirement savings don't need to be spend on these costs. 

Unlike traditional life insurance, which just provides a death benefit, or long-term care insurance that only pays for qualifying expenses, a linked benefit policy has a death benefit, maintains a cash value and can provide income tax-free payments for qualified long-term care related expenses.  This can be a great vehicle to take care of 2 needs with one product.