Long Term Care Insurance

Long-term care insurance is one of the most deeply caring protections a family can put in place because it guards not only your future, but your dignity when you might need help the most. The reality is that about 70% of people aged 65 and older will require some form of long-term care during their lifetime. However, the cost of that care is staggering a semi-private room in a nursing home now runs, on average, over $112,000 per year, and even in-home care can cost tens of thousands annually.

 Without proper planning, families may be forced to deplete their savings, delay retirement, or rely on loved ones to provide care, an emotional burden that can strain relationships. Long-term care insurance can help shoulder that weight by covering the expenses of assisted living, skilled nursing, or home care, preserving your nest egg while giving your family peace of mind. It’s not just financial protection it’s emotional security for the moments when you need help the most.