Long-term care insurance stands at the intersection of protection and peace of mind. With rising healthcare costs, changing family structures, and the unpredictability of care needs, your clients’ futures need long-term protection.
With medical advances and longer lifespans, proactive planning is essential to ease the burden on loved ones. LTC insurance from LiveAmerica is more than a safety net; it’s a strategic asset that helps clients protect wealth, maintain independence, and secure quality care on their terms.
Resources, Strategy, Investment!
Do Your Clients Need Long-Term Care Coverage?
A long-term care (LTC) rider, is an optional add-on to a life insurance policy. It provides financial assistance to your clients for long-term care services if they become chronically ill, disabled, or cognitively impaired and unable to perform daily activities.
Benefits of an LTC Rider
Costs and Considerations
Long-Term Care Solutions to Protect Their Tomorrow
LiveAmerica believes in creating customized protection that fits each client’s unique needs. Not every care plan looks the same, so knowing the difference is a critical part of meeting those needs. You wouldn’t want their coverage to run out before they were ready, would you?
A stand-alone policy that covers care at home, assisted living, or in nursing facilities, and reimburses you for expenses up to a set limit. There’s no cash value or death benefit, but it’s a cost-effective way to secure dedicated long-term care coverage.
- Living a long life
- Covering LTC costs
- Helping with asset accumulation
- Assisting with wealth transfer
- Premiums that never increase
- Benefits even if LTC is never needed
- Up to and including lifetime LTC benefits
- Flexibility of either a single or two person contract
- Using qualified or non qualified monies to pay premium
- Single premium as well as recurring premium modes
Long-Term Care That Works as Hard as You Do
Leverage long-term care insurance and tax-favored strategies to help clients maximize value and minimize out-of-pocket costs. Show clients real examples of long-term care insurance in action. From asset protection to peace of mind for loved ones, our solutions deliver results that last.
Our long-term care agents help you compare the best long-term care insurance rates and match clients with the right fit.
Our Carrier Partners
Foresters Financial | American National | Global Atlantic | The Standard | OneAmerica | Corebridge Financial | North American | Lincoln Financial Group | National Life Group | Forethought Life Insurance Company |Foresters Financial | American National | Global Atlantic | The Standard | OneAmerica | Corebridge Financial | North American | Lincoln Financial Group | National Life Group | Forethought Life Insurance Company |
Frequently Asked Questions
You do not need to leave your current insurance or financial planning agency. Partner with LiveAmerica to build a practice, build an agency, or add living benefits solutions to your established firm’s value proposition.
Our distribution model is built on the premise that supporting you to build a business that you own and control, with open access to our ideas, resources and support, will provide optimal value to you, your clients, and LiveAmerica.
When selecting carrier partners, we look through the lens of the consumer and the agent/advisor. We develop deep relationships with companies that have strong ratings, underwriting and service and a track record of providing innovative living benefit solutions. The right carriers and the right relationships will translate to high value for you and your clients.
Our current carrier partners include Corebridge Financial, Lincoln Financial Group, Foresters Financial, National Life Group, North American Life, Allstate Benefits, Forethought, and OneAmerica.
A comprehensive back-office support model available to handle your carrier relations, business and compensation. Getting up and running is streamlined with automated licensing and contracting, an onboarding playbook, and access to LiveAmerica case design experts.. Our professionals will help you shop, illustrate and case manage your business. We have dedicated underwriting teams with each carrier to handle your business and we support electronic business submission.
