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Mountain Biker

Long-Term Care Analysis

A policy designed to help fund long-term care expenses and provide a death benefit to your heirs.

Evaluate the benefits and premium cost of a new hybrid life insurance policy with a LTC rider.

We offer an automated and online process to evaluate the benefits and premium cost of a new policy.

Complete the secure web form to receive a customized analysis via email based on your age, birth sex, general health, desired benefit amount, and preferred premium payment schedule.


The need to plan for long-term care (LTC) is often overlooked. It is typically uninsured or not factored into a retirement cash flow plan making it a substantial "unknown" financial risk.

70% of people turning age 65 will need some type of long-term-care services in their lifetimes.

24% of people turning 65 will require long-term care for more than two years.

Policy Benefits

Insures Your Life

Provides long-term care and a death benefit to protect you

Funds LTC Benefit

Allows a long-term care benefit to be funded for your future needs

Tax-Free Benefits

Long-term care benefits and death benefits are received tax- free

Protects Retirement

The policy helps protect retirement accounts and other assets

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