Long Term Care

We are all living longer today. Living longer, however, carries concerns for your clients about how they will pay for their care when they can no longer care for themselves.

And their chances of living longer present concerns for them as to whether their family and loved ones will be burdened by their care needs.

Government studies show people have a 70% chance of needing care at some point in your life. And contrary to what many might believe, private health insurance and Medicare will not cover your costs. Currently, the 2015 nationwide average cost of care for a private room in a nursing facility is $240.00 day or $87,600 per year. The average costs increase with inflation by approximately 4% per year. Help your clients securing their future with planning will allow them to protect their retirement assets, enable them to receive care with dignity in the setting of their choice, and most importantly will guarantee they will not burden loved ones with caregiving responsibilities.

Yet we know traditional Long Term Care Insurance isn't right for everyone. That's why we provide our producers with many Long-term Care solutions, giving them the ability to choose from multiple products to create the perfect plan for their clients. Some options include:

  • Traditional Long Term Care Insurance
  • Short Term (Recovery) Care
  • Guaranteed Issue Home Care
  • High Risk Long Term Care Insurance
  • Group Long Term Care Insurance

Our experienced marketing team will help tailor a strategy to meet your clients' needs. We also supply complete back-room services such as:

  • Case Design
  • Quotes
  • Pre-Underwriting Advice
  • Case Management and Follow Up
  • Marketing Supplies


LTC/STC Products
David Oberle 801-428-1574
Spence Hebden 801-502-3339


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