Solving Your Long
Term Healthcare Needs
The affordable bridge to retirement with
tax-free accumulation and care guaranteed.
Residential Care
Tailored care plans to meet the unique needs of each resident, fostering independence and well-being.
In Home Care
Personalized services are designed to support daily living and enhance your quality of life.
Long-Term Care
If you’re between 55-80 and have been turned down for traditional Long-Term Care Insurance (LTCI), there is still a way to secure coverage.
Standard long term care policies require health assessments as part of the application, and are often declined. This becomes more likely as you get older.
This is a common experience for many Americans, and why we are excited to offer comprehensive long-term care insurance to anyone able to invest a minimum of $50,000, regardless of medical history. This opportunity is made possible by using annuity assets for care expenses in retirement.
Get Your Guide to Long-Term care WITHOUT health assessment.
What is Long-Term Care Insurance?
Long Term Care Insurance is health coverage that offers financial support for assisted living, nursing home, in-home care, and hospice costs. Eligibility is defined by the inability to perform a minimum of two of the six activities of daily living (ADLs). Bathing, Transferring, Eating, Toileting, Continence, Dressing.
Medicare and traditional insurance products do not cover expenses for ADLs—they need to be paid out-of-pocket. As such, it is prudent to make a dedicated plan for long-term care in retirement. The main cause of elder-care cost increases is supply. As the population ages there are insufficient providers and facilities to satisfy demand. For example, a private room in a nursing home currently averages around $9,000 per month. As the number of American seniors increases, so do the costs.
If you have been denied by an insurance carrier, we can help ensure your to access extended care in retirement.
How to Get Guaranteed Issue Long–Term Care Insurance
Guaranteed issue long-term health coverage is available to all legal US residents.
Your current health or medical history does NOT affect your eligibility.
Policy available for ages 55-80
The value of the policy will continue to accumulate if health services are not claimed.
Approval for LTCI is quick. Typically, insurance policy processing can take several months, but our underwriting and approval process is generally complete within a few weeks. Again, pre-existing conditions are not a part of the acceptance criteria.
Post-approval you will be able to review your plan and the risk plan prior to starting your policy.
Get Your Guide to Long-Term care WITHOUT health assessment.
Maximize The Value Of Your LTCI: Don’t Wait!
It pays to invest in long-term health insurance as soon as you can. The younger and healthier you are when you start you will be able to take advantage of all the benefits of LTCI coverage. The cost of necessary care in retirement is unlikely to decrease—none of us will get any younger.
Investing in an annuity with a long-term care rider gives you peace of mind and access to enhanced features of your policy as time passes. The sooner you start, the longer your investment has to grow. The policy has a 4-year vesting schedule, so full monthly coverage payment would not be available during the initial year of the policy.
Long-term care insurance is an essential element of successful aging and comprehensive retirement planning. If you have been declined coverage in the past, LTCI is the solution to your problem and a giant step toward accessing lifelong care.
ALL Your Long-Term Care Concerns ANSWERED
1100 East Bell Road
Unit #2022
Phoenix, AZ 85022
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