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The main and most common solution to the need for long term care protection is Long Term Care Insurance.  We are experts in providing California Long Term Care Insurance. However, not everyone qualifies for this type of insurance policy. Luckily we have found that there are other innovative solutions to help provide for long term care protection besides long term care insurance. We pride ourselves in our ability to offer these alternative solutions as well as Long Term Care Insurance.

Long Term Care Insurance

The odds are that at some point in your life, you’ll need long term care.  Long term care is defined as sub-acute care that is required because an individual has a prolonged illness or injury and needs help from others in order to live. One may need assistance in order to perform two or more activities of daily living (bathing, continence, dressing, eating, toileting or transferring), and/or one may need supervision due to cognitive impairment. Unlike other types of health insurance, LTCI covers the costs of care in any home or facility by a professional caregiver… Read more

Annuities and Annuities with long term care 

As a generation, we are living longer than ever. Without the right investment plan, we run the real risk of outliving our savings. Annuities are one of the best ways to provide a steady stream of income- for the remainder of your life. Annuities are an investment tool to ensure that your retirement years are protected and secured. This type of investment is most effective when you start as early as possible. The longer you invest, the greater the amount to annuitize… Read more

Life Insurance and Life insurance with long term care Riders 

Life insurance is one of the most effective ways to protect your family’s finances and life style after you’re gone. How will your death impact your loved ones?  In addition to dealing with the emotional impact of their loss, will your family have to deal with financial difficulties? Life Insurance allows continuous care for your family, without interruption… Read more

Critical Illness Insurance 

Critical illness insurance helps to protect you from the financial burden a major illness can create so you can focus on your recovery.  It can pay a lump-sum benefit upon diagnosis of a critical illness or condition… Read more

Medicare Supplement 

Even with Medicare, your medical expenses can quickly reach an unmanageable level. Non-covered costs include coinsurance, copayments, and deductibles. A Medicare Supplement policy will help you pay your share and reduces your financial burden … Read more

We are constantly searching for new products which can cover long term care costs, and are working hand in hand with major insurance companies to create such products.  Insuring your future care ensures your peace of mind. Contact us today to talk to one of our specialists and learn more about your Long Term Care Planning options.

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