Plan for Long-Term Care While You Still Have the Choice — with long-term care insurance
Long-term care insurance is the planning tool that keeps your retirement intact, your family protected, and your choices your own. We're independent long-term care specialists who work for you, not a carrier.
Florida avg. annual LTC costs
2024 data- Nursing home (private room)
- $120K+/yr
- Assisted living facility
- $54K/yr
- Home health aide (44 hrs/wk)
- $62K/yr
Figures are industry averages for educational context and vary by county and provider.
Long-term care specialists who work for you, not a carrier
As an independent agency, we shop top-rated carriers on your behalf. No quotas, no single-company bias, and no pressure — just the long-term care plan that actually fits your life.
Carrier-neutral advice
We compare top-rated long-term care carriers on your behalf. No quotas, no single-company bias, no pressure.
Personal approach
Your health, goals, and budget shape every recommendation — not a generic script or a one-size plan.
Hybrid LTC options
Plans that return value even if you never file a claim, so the premium you pay is never simply lost.
Ongoing support
We stay available long after enrollment. A real person picks up the phone when your family calls.
Four ways families plan for long-term care
Traditional LTC insurance
A dedicated monthly benefit for qualified long-term care expenses. Typically the best rates for healthy applicants in their 50s.
Learn moreHybrid life / LTC policy
Life insurance with a long-term care rider. Unused benefits return as a death benefit, so your premium is never wasted.
Learn moreAnnuity with LTC rider
Reposition an existing asset to create a tax-advantaged fund for future care costs, with no ongoing monthly premium.
Learn moreSelf-funding review
For households with substantial assets, we help you calculate whether your portfolio can realistically absorb the risk on its own.
Learn moreWhat long-term care could cost without coverage
Care costs in Florida are among the highest in the country. Run the numbers for your own situation to see what the exposure looks like.
For educational purposes only. This is not a quote or a guarantee of coverage. Actual costs vary by individual circumstances, care setting, and provider availability.
A benefit your employees will actually remember
Employer-sponsored long-term care coverage sets your benefits package apart in a competitive hiring market. Many group plans are available on a guaranteed issue basis — no health questions, no medical exam for eligible employees who enroll during the open window.
Attract top talent
Long-term care coverage differentiates your offer from competitors who only provide the basics.
Improve retention
It signals a real investment in your team's long-term wellbeing — and people remember that.
Group rates
Group long-term care plans generally carry lower premiums than comparable individual policies.
White-glove service
We manage enrollment from start to finish, with minimal burden on your HR team.
Planning for long-term care is simpler than you think
Free strategy session
We talk through your health, your goals, and your budget — no pressure and no obligation.
Options compared for you
We shop multiple top-rated carriers and lay the trade-offs out side by side in plain English.
Apply with guidance
We handle the paperwork and walk you through underwriting so nothing catches you off guard.
Support that continues
We stay your point of contact for questions, reviews, and eventually the claim itself.
Long-term care questions, answered
The questions Florida families ask us most. Still curious? Reach out and we'll walk you through it.
Ready to explore your long-term care options?
A free 30-minute session gives you a clear picture of your options, your projected costs, and the plan that fits your life.