Long Term Care Insurance

  • The average period of long-term care is three (3) years.
  • 7.6 million Americans receive long term care at home.
  • 1 million Americans live in assisted living facilities  - avg cost $3300 monthly.
  • The average cost of nursing home care in Ala in 2013 is $69,543 (and $83,580 nationally) HHS, National Clearinghouse
  • Long term care insurance may cover
  • Home-health care
  • Assisted living
  • Nursing home care
​The Indexed Universal Life plan also comes with a free of charge rider called a Chronic Illness Rider that allows you to access up to 70% of the policy's death benefit for Long Term Care protection.
Long Term Care