Download our Flexible Protection for A Healthy Retirement brochure in your own Generational Vault account! Don’t have an account? Setting up your secure and complimentary account is easy. Just fill out the short form on this page to get started.

Get Started

For many Americans, retirement may last as long as two decades, and those years will include plenty of adventures and happy moments. But at some point, during your retirement, there’s a chance you’ll need long-term care. Does your strategy address this potential need?

Like many people, you may have already dismissed the idea of long-term care insurance because you don’t want to pay for something you might never use. But with a combination life insurance and long-term care policy, you can help protect your assets from the potentially high costs of long-term care. And if you never need it, your beneficiaries can still get a death benefit.

Please keep in mind that life insurance policies typically require health underwriting and, in many instances, financial underwriting. The policyowner of a life insurance policy with long-term care benefits typically needs to meet certain qualifying conditions in order to access long-term care benefits within the policy. We are not affiliated with or endorsed by the federal Medicare program or any government agency. This content is for informational purposes only and should not be used to make any financial decisions. It is recommended that you consult with an elder law attorney regarding Medicaid eligibility and Medicaid spenddown strategies. It is recommended that you consult a tax advisor for tax advice regarding life insurance policies with long-term care benefits.