Long-Term Care Insurance
Prepare for Tomorrow, Protect Your Legacy
Plan Ahead for Life’s “What Ifs”
Long-term care insurance helps cover the costs of services like in-home care, assisted living, or nursing home care—expenses that aren’t typically covered by health insurance or Medicare. At Freedom for Living Financial Services, we’ll help you explore your options and create a plan that safeguards your savings while ensuring you or your loved ones receive the care they need. Planning ahead gives you and your family peace of mind during life’s most challenging transitions.
How We Help With Long-Term Care Planning
Coverage That Supports Your Family and Finances
We’ll guide you through available policies and help you find a solution that balances protection, flexibility, and cost.
Traditional Long-Term Care Insurance
Coverage for a range of services, from in-home assistance to skilled nursing care.
Hybrid Policies
Combine life insurance or annuities with long-term care benefits for added flexibility and value.
Custom Strategies
Explore options tailored to your health, financial goals, and family situation.
Questions About Long-Term Care Insurance?
Here’s What You Should Know
Why should I consider long-term care insurance?
As people live longer, the need for extended care later in life is increasing. Long-term care insurance helps cover the cost of services that Medicare and health insurance don’t pay for, protecting your savings and relieving the financial burden on your family. Planning early allows you to secure more coverage options and potentially lower premiums.
What’s the difference between traditional and hybrid long-term care policies?
Traditional long-term care insurance provides dedicated coverage for care needs but doesn’t offer a payout if you never use it. Hybrid policies combine long-term care benefits with life insurance or annuities, allowing you to leave a legacy if you don’t require care. We’ll help you compare both options and choose the one that fits your goals and preferences.
How much does long-term care insurance cost?
The cost varies based on your age, health, and the level of coverage you choose. While premiums can feel like a big commitment, they’re often far less than the potential cost of care without insurance. We’ll help you weigh the benefits and find a plan that fits your budget while offering meaningful protection.
When is the best time to purchase long-term care insurance?
The earlier you buy, the more options you’ll have and the lower your premiums are likely to be. Many people start planning in their late 40s or 50s, but it’s never too soon to explore your options. We’ll help you determine the right timing for your unique situation.
Why choose Freedom for Living for long-term care planning?
We understand that long-term care planning is about more than finances—it’s about protecting your dignity, independence, and loved ones’ peace of mind. As an Ethics Approved Registered Financial Consultant (RFC®), Ron Rogers takes time to explain your options clearly, so you can make a confident, informed decision.