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Long-Term Care
Protect your assets, prepare for future care, and preserve your legacy with a coordinated long-term care strategy.
Reposition Assets. Reduce Risk. Preserve Your Legacy.
protect your future
Protect Your Retirement From the Cost of Long-Term Care
Long-term care expenses can be one of the greatest threats to retirement assets. A prolonged care event may force the liquidation of investments, create tax consequences, and reduce the wealth available for a spouse or beneficiaries.
A Long-Term Care Annuity offers a way to reposition a portion of your assets into a solution designed to provide protection, enhanced long-term care benefits, and a legacy for your family.
Why Consider a Long-Term Care Annuity?
Protect Assets From Market Risk
Reduce exposure to market volatility by repositioning a portion of your portfolio into a protected asset designed for long-term planning.
Create Enhanced Long-Term Care Benefits
Many LTC annuities can multiply the amount available for qualified long-term care expenses, helping address one of retirement’s largest financial risks.
Tax-Advantaged Growth
Assets grow tax-deferred, and qualified long-term care benefits are generally received income tax-free under current tax law.
Preserve Your Legacy
If care is never needed, remaining account value passes to your beneficiaries, helping ensure your assets continue working for your family.
protect your future
Funding Options
A Long-Term Care Annuity can often be funded using:
- Brokerage assets
- CDs and cash reserves
- Existing annuities
- Qualified retirement assets (IRAs)
This allows existing assets to be repositioned toward both protection and long-term care planning.
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How It Works
If Care Is Needed
Benefits may be used for:
- Home health care
- Assisted living
- Memory care
- Skilled nursing care
Enhanced benefit riders can significantly increase the amount available for qualified care expenses.
If Care Is Never Needed
Your strategy still provides value.
- Assets remain under your control
- Account value continues to belong to you
- Remaining funds pass to beneficiaries
- Probate may be avoided through beneficiary designations
You may benefit from a Long-Term Care Annuity if you:
- Want to reduce market risk on a portion of your assets
- Are concerned about future healthcare costs
- Prefer repositioning assets instead of paying ongoing LTC premiums
- Want to protect both retirement income and family legacy
Schedule a Long-Term Care Strategy Review
Long-term care planning should be integrated with your overall financial strategy—not treated as a separate decision.
Discover how repositioning a portion of your assets may help protect your retirement, enhance long-term care benefits, and preserve wealth for future generations.