A guaranteed financial solution designed specifically for individuals already receiving long-term care. Bridge the gap between income and expenses while protecting your family's legacy.
Most long-term care insurance must be purchased years before you need it. The Immediate Care Plan is different. It is a medically underwritten annuity designed for those who are already in a care facility or about to enter one.
Because it is medically underwritten, your current health status actually works in your favor. Impaired health results in significantly larger guaranteed annual payments, often providing a much higher return than self-funding with your own assets.
Without a plan, this gap can deplete a lifetime of savings in just a few years.
Traditional annuities penalize poor health. The Immediate Care Plan uses medical underwriting to increase your payments, recognizing that your need for care is immediate.
By using a portion of assets to guarantee care for life, you "cap" your maximum out-of-pocket expense, ensuring the rest of your estate remains intact for your family.
Remove the burden from adult children who worry about their parents outliving their savings. The plan provides a predictable, guaranteed income stream for life.
Don't let the cost of care compromise your legacy or your peace of mind. Contact our fiduciary-level advisors for a personalized assessment of the Immediate Care Plan.