California Long Term Care Insurance

Individual or Family Health
Group Health Coverage

California Long Term Care Insurance

What is Long Term Care Insurance (LTCI)?
LTCI can provide payment for a wide variety of services designed to help people who:

Because No One Wants to Live In a Nursing Home
So, how do you avoid it? Long-Term Care Insurance can help provide your family with the money, letting you stay in your own home and avoid burdening those you love.

A “comprehensive” Long-Term Care Insurance package is the solution. It can help you pay for care in your own home, or if necessary, in a nursing care or assisted living facility.

Another Bonus to Long-Term Care Insurance
The Federal Government provides special tax benefits for people who purchase Tax-Qualified policies. 

Why risk overspending your savings?
You worked long and hard to get where you are. 

The need for Long-Term Care can often spell the end of financial independence, as well as physical independence.

Worried about going unprotected

*1 New England Journal of Medicine. *2 US Department of Health and Human Services. *3 American Health Care association, "Quality for Life", May, 1993. *4 Wall Street Journal, July 23, 1997. *5 Trust and Estates, March, 1996. *6 Journal of American Society of CLU and CFC, November, 1992.

Don’t go unprotected                                                                                                    
Plan ahead to guard your savings and assets by getting Long-Term Care Insurance (LTCI). We offer LTCI that can pay for home health care, assisted living facility or for nursing home care.

Long Term Care Insurance Isn’t Just for Seniors                                              
According to the United States general accounting office, a full 40% of those in need of Long-Term Care Services are between the age of 18 and 65.

The younger you are when you apply for long-term care insurance (LTCI), the more affordable the premium will be. You may also apply for plans that become paid-up after 1, 5, 10, 15 or 20 years, so that you no longer have to make payments in your older years.

Discounts on Long Term Care Insurance are available for applying spouses and businesses. Please contact us to request a California Long Term Care Insurance proposal.