Risk protections
Long-Term Care Planning
The cost of extended care is one of the larger uninsured risks in a retirement plan — and one of the easiest to leave unaddressed, because it’s optional right up until it isn’t. We walk through the options without pushing a single one.
Who this is for
Anyone planning for the cost of care
Individuals and couples building a retirement plan who want the cost of care accounted for rather than assumed away. Adult children beginning to plan for a parent’s care. Business owners for whom a long, uninsured care event would draw directly against the business or the estate.
The approaches
Four ways to fund the same risk
Traditional long-term care insurance
The most benefit per premium dollar, with rate risk the client should understand going in.
Hybrid life insurance with an LTC rider
A life insurance policy — see Life Insurance Design & Implementation — with an accelerated benefit for care, so the premium is not “lost” if care is never needed; the death benefit remains if it isn’t used for care.
Annuity-funded long-term care
An annuity — see Annuities & Retirement Income — structured with an LTC benefit multiplier, repositioning an existing asset into a larger pool of tax-advantaged care dollars without the underwriting a standalone LTC policy requires.
Self-funding with a carve-out
For balance sheets that can absorb the cost, a deliberate decision rather than a default — sized and documented like any other funding choice, not just assumed.
What we do
Model the cost, then fit the funding to the client
We estimate a realistic cost of care for the client’s situation and location, then match the funding approach to their health, liquidity, and preference for guarantees — rather than leading with one product family. Where a hybrid or annuity-funded structure makes sense, we coordinate it with whichever underlying contract already fits the client’s broader plan.
Related protections and strategies