Long-Term Care & Home Healthcare Plans

Long-Term Care (LTC) and Home Healthcare plans provide essential coverage for individuals who require extended care due to chronic illness, disability, or aging. These plans offer financial support to help cover the costs of nursing home care, assisted living, or in-home care services, ensuring that you or your loved ones receive the necessary care without depleting personal savings. 

Product Descriptions and Benefits:

• Long-Term Care (LTC) Insurance: LTC insurance is designed to help cover the costs of extended care services, whether in a nursing home, assisted living facility, or in your own home. This coverage typically includes services such as assistance with daily living activities (e.g., bathing, dressing, eating), medical care, and even some non-medical support. By providing a daily or monthly benefit, LTC insurance can help protect your savings and assets while ensuring you receive the care you need.
• Home Healthcare Insurance: Home Healthcare plans focus on providing coverage for care received at home, offering an alternative to institutional care. This can include nursing care, physical therapy, occupational therapy, and assistance with daily activities. These plans are ideal for those who prefer to receive care in the comfort of their own home, allowing for greater independence and personalized care.

Please note that due to the complexity of these products, including underwriting considerations and varying insurance carrier requirements, you cannot enroll online through the Long-Term Care & Home Healthcare Plans Section*. Instead, speaking directly with an advisor and licensed agent ensures that your plan is tailored to your specific situation and that you understand all the details before making a commitment.

The information provided on this website is intended for informational purposes only and does not guarantee eligibility or benefits. All policies are subject to underwriting and approval by the insurance carrier. Coverage options, benefits, premiums, and eligibility can vary based on individual factors such as age, health, and location. We recommend consulting with an advisor and licensed agent to receive detailed information and personalized advice. No guarantees are made regarding the acceptance of any application for coverage.

We understand that discussing insurance options over the phone can sometimes feel daunting. Rest assured, licensed advisors and licensed agents can help you in a professional, respectful, and supportive manner. Finding the right professional and solution is one of our top priorities. Please don’t hesitate to call 877-977-7026—an advisor and licensed agent is available to assist you every step of the way. Please fill out the following 'INQUIRY FORM' to request assistance in finding the right solution.