2 Out of 3
Seniors Will Require
Long-Term Care

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Does The Thought of Paying for Long-Term Care Costs Have You Worried?

More Options, Less Worry

Before Medicaid will cover your long-term care needs, you are expected to use any savings you have to pay for your own care.

Only once your savings are gone, will Medicaid take over.

But when Medicaid does take over, you may have less choice about your care. Medicare only covers skilled care and only if certain requirements are met. Of course, your family members could provide the care you may need someday, but with the way families are spread across the country, that may not be possible.

Watch this three-minute video and see a different way to ensure your golden years are covered.

Once you are done, we encourage you to reach out to us with your questions. We are happy to start the conversation and guide you through long-term care.

What is the Difference Between a Traditional Long-Term Care Policy and a Whole-Life Insurance Policy with the Long-Term Care Rider?

Traditional Long-Term Care Policy

  • Can be used for only one function - Long-Term Care
  • You have to "use it or lose it" - You can't recover premiums paid
  • Subject to potential multiple rate increases for the life of the policy

Whole-Life Insurance Policy with the Long-Term Care Rider

  • The policy can be used for multiple functions:
    • Long-Term Care Benefit
    • Leveraged Death Benefit
    • Guaranteed Cash Value Accumulation
  • More stable pricing structure - In fact, when using the single premium payment option you are guaranteed no rate increases!

Whole-Life Insurance with the Long-Term Care Rider gives you more options to choose from. And, if you don't use it or just partially use it for Long-Term Care, your beneficiary receives the remaining death benefit income tax-free!

When & Why?

Does Whole Life Insurance with the Long Term Care Rider make sense for you and your family?

Learn More

What Is It?

Read more details on Pekin's Long Term Care Rider Outline of Coverage ICC15-LR141

Learn More
Long-Term Care Rider

When Would You Need Long-Term Care?

Below are just a few examples of when this type of care would be necessary...

Confined Care

If you or a loved one has a condition that restricts his/her ability to leave home without a supportive device, special transportation, the assistance of another person, or are told that leaving home is medically contraindicated.

Home Health Care

You or a loved one may need skilled nursing care, or other skilled care services, like physical and occupational therapy, speech/language therapy, and medical social services given at home. 

Alzheimer’s Care

Specially trained caregivers can help with self-care, medical care, communication, and safety if a loved one is starting to experience cognitive impairment symptoms such as memory loss, confusion, and disorientation.

Here's What Others Are Saying

Carol Nite Photo

Who Will Be Helping Me?

I can help because I deal with Long-Term Care for my loved ones as well. I am living it every day, just like you.

Hi, my name is Carol Nite. I know firsthand what it means to be a caregiver and understand many of the challenges that both the person needing care and those providing it will face.

My husband and I have dealt with all four of our parents needing various levels of care in their senior years. And, three years ago, my husband was diagnosed with Parkinson’s disease. As a result, we are having conversations about Long-Term Care now, while we still can, so that we can be better prepared for whatever the future brings.

Through all this, I want to take both my professional and personal experience with insurance to help you be better prepared as well. As a licensed insurance agent with Allegiance Insurance Services, Inc., I can act as a resource for you and help guide you through the plethora of options out there, while you still can too.

My goal is to help you and your loved ones navigate these uncertainties so that you and your family's future can be better protected.

I look forward to speaking with you.

Carol Nite

Source of statistic in hero image: U.S. Department of Health and Human Services (Link:  https://longtermcare.acl.gov/)

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