Long-Term Care
Don’t let a major health event derail your client’s retirement plans. Strategic Partners is here to help your clients protect their retirement.
Protect Your Client’s Future Today
Long-Term Care Insurance (LTCI) is the ultimate pre-planning tool for clients looking to secure their retirement and set aside funds for a long-term care stay. LTCI provides coverage in the event a person requires professional care and offers peace of mind that their hard-earned assets will be protected. LTCI also allows for flexibility in choosing the type of care they receive and where they receive it.
We offer Traditional and Asset-Based LTCI policies that can be structured to meet your client’s specific circumstances, budget, and projected care needs. Our policies can be customized with a variety of funding options .
ASSET BASED LONG-TERM CARE INSURANCE
TRADITIONAL LONG-TERM CARE INSURANCE
SIMPLE, GUARANTEED PROTECTION SOLUTIONS.
Helping your clients formulate a plan to protect their assets in retirement is a complex undertaking involving thorough knowledge of their financial means and aspirations. Yet the products available are simple, guaranteed and provide excellent consumer value. Our in-house experts can help you select the best solution for your client.
Asset based Long-term care insurance
Asset-Based Long-Term Care Insurance, also known as Hybrid LTCI, consists of a life insurance or annuity contract with long-term care benefits attached. This type of policy is typically funded with a single premium or continued premiums and its benefits can be customized to fit your client’s specific long-term care goals. The main difference between Traditional and Asset-Based LTCI is this policy has cash value that continues to grow.
Traditiona Long-term care insurance.
Traditional LTCI functions like a traditional insurance policy where the owner pays regular premiums in exchange for future benefits in the form of financial coverage for a long-term care stay. The policy does not hold cash value and can be structured to meet the client’s anticipated needs. Since it has zero cash value, Traditional LTCI may be a viable option for a healthy community spouse whose partner is seeking Medicaid benefits.
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