It’s not just about needing care — it’s about maintaining control over how, where, and by whom you’re cared for. At Protect and Grow Your Money, we engineer strategies that safeguard your dignity, your income, and your family’s peace of mind.
Most people plan for living a long life — but not for the cost of living longer. Extended care needs can erode retirement income, force lifestyle changes, and create emotional strain on loved ones.
Planning now ensures you can choose where care happens, who provides it, and how it’s paid for — without draining the assets you’ve worked hard to build.
Traditional Long-Term Care Insurance
Standalone policies designed to reimburse the cost of professional care — at home, in assisted living, or in a facility.
Hybrid Life Insurance with LTC Rider
Combines permanent life insurance with a long-term care benefit. If care is needed, you access the death benefit early — if not, it passes to your beneficiaries.
Annuity with Long-Term Care Benefit
Uses an annuity contract to fund future care costs, often multiplying the account value for qualified care expenses.
Self-Funding with Asset-Based Plan
For those with substantial assets, we can design an allocation strategy that segments funds for potential care — without locking up liquidity.
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