Plan Now. Protect Later.
Extended care expenses can quietly drain a lifetime of savings. We build plans that inlcude strategies to 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.
Help Shield Your Retirement Income
We earmark dollars for care in advance to help ensure 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 can reduce the financial and emotional burden on your spouse or kids, and helps avoid scrambling in crisis mode.
Keep Control & Liquidity
Greater control and liquid options. 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 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.
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.
Common questions about extended care planning
Is this the same as traditional long-term care insurance?
Not necessarily. We focus on newer product types such as 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. Our plans incluide strategies 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 designed to help protect income, assets, and your freedom to choose how you’re cared for.