Turn Your Savings Into Guaranteed Income

As we live longer, the likelihood of needing extended care increases—but many families aren’t financially prepared for the costs that come with it. Long-term care insurance helps cover services that traditional health insurance or Medicare often do not, including assisted living, nursing homes, and in-home care.

Without proper planning, these expenses can quickly deplete retirement savings and place emotional and financial strain on loved ones.

Planning ahead ensures that care decisions are made from a place of choice—not urgency.

• Nearly 70% of adults age 65+ will need some form of long-term care in their lifetime.
• The average stay in a long-term care facility is about 3 years.
• Women typically require care longer than men due to higher life expectancy.
• Many families end up providing unpaid care, often at financial and emotional cost.

 Long-term care expenses can add up quickly:

• Nursing home (private room): $100,000+ per year on average
• Assisted living: $50,000–$70,000 per year
• In-home care: $25–$35 per hour depending on care level
  

Without coverage, these costs are often paid out-of-pocket—draining savings meant for retirement or inheritance.

• Nursing home care 
• Assisted living facilities
• In-home caregiving
• Adult day care services
• Rehabilitation and recovery support
   

This coverage provides flexibility in how and where care is received, helping individuals maintain dignity and independence as long as possible.