Long-Term Care Insurance
Plan for the Future and Protect Your Independence
Secure Your Future with Long-Term Care Insurance
As we age, the likelihood of needing assistance with daily activities increases. Long-term care insurance helps cover the cost of nursing homes, assisted living, home health care, and other services that aren’t typically covered by health insurance or Medicare. Without proper planning, long-term care expenses can quickly drain your savings, leaving you and your loved ones financially vulnerable.
If you’re looking for long-term care insurance in Houston, TX and San Diego, CA, we offer expert guidance to help you find the best coverage to protect your assets and ensure access to quality care when you need it most.
What We Cover
Comprehensive Long-Term Care Solutions
Long-term care insurance provides financial support for a wide range of care services. Policies can be customized to fit your specific needs, ensuring that you receive personalized, high-quality care in your preferred setting.

We work with top-rated long-term care insurance providers in Texas and California to help you find a policy that offers affordable premiums and comprehensive coverage.
Nursing Home Coverage
Covers room, board, and medical care in a licensed nursing facility. This is ideal for individuals who require round-the-clock assistance and skilled medical supervision.
Assisted Living Facilities
Helps cover residential care services for individuals who need some assistance with daily activities but prefer a less intensive care environment than a nursing home.
Home Health Care
Pays for in-home nursing care, therapy, and personal assistance, allowing individuals to receive care in the comfort of their own homes. This is a great option for those who want to age in place rather than move to a facility.
Adult Day Care Services
Provides structured programs and medical support for seniors during the day, offering relief to family caregivers.
Hospice and Palliative Care
Some policies include end-of-life care services, ensuring that individuals receive compassionate medical support and pain management in their final stages.
Get Covered Now, Plan for the Future
Take the First Step Toward Long-Term Security
Planning for long-term care is not just about preparing for the unexpected—it's about maintaining your independence, dignity, and financial stability as you age. Waiting too long to secure coverage could mean higher costs or limited options.
Common Questions About Long-Term Care Insurance
Understanding Your Options & Making the Right Choice
Planning for long-term care is an essential part of retirement planning, but many people are unsure of how these policies work or whether they truly need one. Below, we’ve answered the most common questions to help you make a well-informed decision.
Still unsure if long-term care insurance is right for you? Contact us today for a personalized consultation.
Why do I need long-term care insurance if I already have Medicare?
A common misconception is that Medicare covers long-term care, but that’s not entirely true. Medicare only covers short-term skilled nursing care or rehabilitation services for a limited time (up to 100 days) after hospitalization. However, it does not cover ongoing custodial care—which includes help with everyday activities like bathing, dressing, and eating. Long-term care insurance fills this gap by covering assisted living, nursing home care, and in-home support.
How much does long-term care insurance cost?
The cost of long-term care insurance depends on several factors, including your age, health, policy type, and coverage amount. On average, a 60-year-old couple might pay between $3,000 and $5,000 per year for a robust policy. The earlier you buy coverage, the lower your premiums will be, since rates increase as you age or if you develop health conditions that make coverage more expensive.
What types of care does a long-term care policy cover?
Long-term care policies typically cover a range of services based on your individual needs, including:
- Nursing Home Care – Coverage for round-the-clock medical assistance in a licensed nursing facility.
- Assisted Living Care – Financial support for residential communities offering personal care services.
- Home Health Care – Allows you to receive professional medical care at home, keeping you in a familiar environment.
- Adult Day Care Services – Provides supervised care and social activities for seniors who need assistance during the day.
Can I get long-term care coverage if I already have health conditions?
It depends on the condition and the insurer's underwriting guidelines. Some conditions, such as Alzheimer’s or Parkinson’s disease, may make it difficult to qualify. However, if you apply while you’re in good health, you have a better chance of securing affordable coverage before potential health issues arise.
Trusted Experts in Long-Term Care Planning
With the rising costs of long-term care, planning ahead is essential. Our team provides expert guidance to help you choose a policy that fits your needs and budget. Let us help you secure your future with confidence. Contact us today to explore your long-term care insurance options.
- Access to Multiple Insurance Providers – Compare different policies and pricing to find the best fit.
- Personalized Coverage Recommendations – We tailor plans to meet your unique financial and care preferences.
- Transparent Pricing & Policy Terms – We make sure you understand exactly what’s covered—no surprises.
