The LTC Game Changer

Protect, Preserve and Defend Your Health Healthcare

We protect ourselves from costs associated with car accidents, flood and fire damage to our homes, and we have individual healthcare coverage to help prevent serious illness. Many of us have life insurance to plan for the future and to provide tax-free benefits to our families when we are gone. However, sometimes traditional coverage is just not enough. As we evolve as a society, so do our financial, retirement and health planning tools. There is a new solution now available so individuals can combine the best of both worlds – it's a hybrid solution to help ensure that long-term care needs will be satisfied while providing a legacy for heirs.

The Game Changer

A lot of people shun long-term care (LTC) planning because of the costs associated with traditional LTC. In response to the LTC crisis, a game changer came into play. A NEW SOLUTION to LTC was developed so you can combine the benefits of life insurance and LTC insurance into a single policy. This new solution makes it easier for you to cover your needs while getting more out of your health care investment. The best part is that if you never activate this coverage, your money doesn’t disappear into the pockets of some company, it goes back to you or, if you have passed away, to your designated beneficiaries! Even if you passed away and used all or just some of your funds, you can have your plan set up in such a way that a minimum death benefit will be paid to your designated beneficiaries. Regardless of your situation, a minimum level of death benefits and LTC coverage are guaranteed.