Long term care (LTC) refers to the assistance that people with serious illness, injury, or cognitive impairment require with activities of daily living: (eating, bathing, dressing, continence (inability to control one's bowel or bladder), transferring (getting in and out of a bed or chair) and toileting).This skilled care is provided by nurses, therapists, or other healthcare professionals.Long Term Care Insurance (LTCi) is insurance designed to help cover the expenses associated with the need for long term care, including personal and custodial care in a variety of settings such as your home, adult day care facilities, assisted living, nursing facility or hospice.Long Term Care (LTC) refers to the assistance that people with serious illness, injury or cognitive impairment require with activities of daily living

A majority of people believe that medical insurance, such as their private health insurance, Medicare or Medicare Supplement, will pay for all or much of their LTC. However, in many cases general health insurance only provides very limited coverage.

Traditional LTCi

Hybrid Life Insurance with LTCi

Hybrid Annuity with LTCi

Life Insurance with LTCi Rider