Long Term Care Insurance

A Full Benefits Company

1-888-868-7002

Free Quotes

We each have Long Term Care Insurance, gives us a peace of mind knowing we’re protected.

Long Term Care Specialists

We are a Michigan based company

Even though long term care can be one of the greatest emotional and financial crisis an elderly person or family can experience, there is an appalling lack of preparation among older Americans today. With scarce government funding and rapidly changing demographics, the need for Long Term Care planning is even more critical than ever before. Call us today, to discuss your Long Term Care Insurance options.

Most of all long term care is provided in the home primarily by a spouse, or other family member. Today, many family caregivers are in the workplace or live far away and are finding it increasingly difficult to properly care for  their loved ones at home.

While Long Term Care Insurance is perceived to be expensive, wait until you have to face the cost of LTC needs head on. For an example, $3000 a year in premiums over 20 years, you’ve paid $60,000. 15 to 20 years from now, it’ll only take you about six months to make that back. To put this in perspective, would you rather pay $3000 a year now, or $5000 to $7000 a month later on in life?

  There are numerous critical components to a LTCI policy, coverage for Alzheimer’s Disease, inflation protection options, and a guarantee the policy cannot be canceled, should be among them. Private nursing home and home-care costs are regularly increasing with the average cost for one year in a private nursing home possibly hitting $100,000 a year soon in some states.