Plan Now. Protect Later.
Extended care expenses can quietly drain a lifetime of savings. We build plans that help cover future care needs — without relying only on old-school “use it or lose it” long-term care insurance — so you can protect your income, preserve assets for your family, and keep control over where and how you receive care.
Protect income, preserve assets, and maintain control of care.
Shield Your Retirement Income
We earmark dollars for care in advance so a sudden health event doesn’t force you to sell assets in a bad market or cut your lifestyle overnight.
Choose Where You Receive Care
We can prioritize in-home care first — with benefits that flex if facility care is eventually needed — so you’re not locked into “nursing home only.”
Protect Family & Caregivers
Pre-funding care reduces the financial and emotional burden on your spouse or kids, and helps avoid scrambling in crisis mode.
Keep Control & Liquidity
Many modern designs include cash value, return-of-premium features, or a death benefit if you never need extended care — so it’s not just “pay and hope.”
Protect Lifestyle & Choice of Care
Tax-Aware, Flexible Benefits
Built with safety, flexibility, and tax awareness.
Single-premium or short-pay designs
- Multiply leverage for qualified care expenses.
- Cash value + potential return-of-premium.
- Defined benefits without stock market exposure.
Life insurance that can accelerate for care
- Living benefits for chronic or critical illness.
- Death benefit protection if care’s never needed.
- Flexible funding structures.
Income that increases when you need care
- Enhanced payout (“doubler”-style) during qualified care periods.
- Tax-deferred growth, principal protection.
- Great for repositioning conservative assets.
Simple monthly benefit — use it how you want
- Cash-style benefits in many designs (no receipts).
- Pairs with HSA and retirement income planning.
- Fast claims, more caregiver flexibility.
Which path fits your goals?
| Feature | Asset-Based LTC | Hybrid Life + LTC | Annuity + Care Enhancer |
|---|---|---|---|
| Principal Protection | ✔ | ✔ | ✔ |
| Cash Value / Liquidity | ✔ | ✔ | Varies |
| Death Benefit | Varies | ✔ | — |
| Enhanced Income During Care | ✔ | ✔ | ✔ |
| Return-of-Premium Potential | ✔ | Varies | — |
Common questions about extended care planning
Is this the same as traditional long-term care insurance?
Not necessarily. We focus on newer designs — asset-based plans, hybrids with chronic illness riders, and annuity options — that can offer cash value, return-of-premium features, or even a death benefit if you never need care.
What if I never need care?
Many strategies are “use it, keep it, or leave it.” If you don’t use the money for care, it may remain as cash value or pass on as a benefit to loved ones — instead of disappearing.
Can I prioritize staying at home?
Yes. We can design plans that emphasize in-home care first, and still include facility benefits if that ever becomes necessary.
How do taxes factor in?
We pay close attention to how benefits are taxed, how premiums are funded, and how to avoid creating accidental taxable events during retirement withdrawals. We coordinate with your tax professional.
Ready to design your Extended Care Plan?
Let’s map out a strategy that protects income, assets, and your freedom to choose how you’re cared for.