Plan Now. Protect Later.
Extended care expenses can quickly erode a retirement plan. We offer solutions that prepare you for the unexpected — without relying solely on traditional long-term care insurance. Our plans help cover future healthcare costs and protect your assets from being drained by nursing home or in-home care expenses, so your financial legacy remains intact.
Protect income, preserve assets, and maintain control of care.
Shield Your Retirement Income
Segment funds for care so market downturns or unexpected costs don’t force you to sell assets or cut lifestyle.
Choose Where You Receive Care
Design plans that prioritize in-home care first, with flexible benefits if facility care is needed.
Protect Family & Caregivers
Reduce the financial and emotional burden on loved ones with pre-planned, funded solutions.
Keep Control & Liquidity
Many strategies provide cash value, death benefit, or return-of-premium features if care is never needed.
Protect Lifestyle & Choice of Care
Tax-Aware, Flexible Benefits
Built with safety, flexibility, and tax awareness.
Single-premium or short-pay designs
- Multiply leverage for qualified care expenses.
- Cash value + return-of-premium options.
- Predictable funding with no market exposure.
Life insurance that can accelerate for care
- Living benefits for chronic/critical illness.
- Residual death benefit if care isn’t needed.
- Flexible premium structures.
Income that increases for qualified care needs
- Benefit doublers / enhanced payouts during care.
- Tax-deferred growth, principal protection.
- Ideal for repositioning conservative assets.
Simple monthly benefit—use as you choose
- Cash indemnity without receipts in many designs.
- Pairs well with HSA and retirement income plans.
- Fast claims, caregiver flexibility.
Which path fits your goals?
| Feature | Asset-Based LTC | Hybrid Life + LTC | Annuity + Care Enhancer |
|---|---|---|---|
| Principal Protection | ✔ | ✔ | ✔ |
| Cash Value / Liquidity | ✔ | ✔ | Varies |
| Death Benefit | Varies | ✔ | — |
| Enhanced Income During Care | ✔ | ✔ | ✔ |
| Return-of-Premium Potential | ✔ | Varies | — |
Common questions about extended care planning
Is this the same as traditional long-term care insurance?
No. We focus on designs that add flexibility—asset-based, hybrid life with riders, and annuity options—often with cash value, return-of-premium features, or death benefits if care is never needed.
What if I never need care?
Many strategies preserve value—via cash value, death benefits, or refund features—so your dollars aren’t “use it or lose it.”
Can I prioritize in-home care?
Yes. Most plans can be structured to emphasize in-home care first, with flexibility for facility care if needed.
How do taxes factor in?
We consider tax-aware funding and benefit structures; some benefits can be tax-advantaged. We’ll coordinate with your tax professional.
Ready to design your Extended Care Plan?
Let’s map out a strategy that protects income, assets, and choice of care.