Protect your independence. Plan with confidence.
Long-term care insurance designed around your life — not a one-size-fits-all policy.
William@CarolinasLTC.com
What Is Long-Term Care?
Care that goes beyond what health insurance covers.
Long-term care refers to a range of services that help people with chronic illnesses, disabilities, or other conditions that limit their ability to perform everyday activities on their own.
These services can be provided at home, in an assisted living facility, or in a nursing home — and they are rarely covered by standard health insurance or Medicare.
A long-term care insurance policy helps protect your savings and gives you the freedom to choose the care you want, where you want it.
"The best time to plan for long-term care is before you need it. Once a health event occurs, options become limited and costs rise significantly."
Why It Matters
The numbers are clear — planning ahead makes all the difference.
of people over 65 will need some form of long-term care in their lifetime
average annual cost of a private nursing home room in North Carolina
average duration of long-term care needs for those who require it
Sources: U.S. Department of Health and Human Services, Genworth Cost of Care Survey 2023
Coverage Options
Plans built around your needs.
There is no single right answer — the best policy depends on your health, finances, and goals. William will help you find the right fit.
Traditional LTC Insurance
Standalone policies that provide a daily or monthly benefit for qualifying care expenses. Premiums are typically lower when purchased at a younger age.
Hybrid Life + LTC Policies
Combines life insurance or an annuity with long-term care benefits. If you never need care, your beneficiaries receive a death benefit.
Short-Term Care Insurance
Covers care needs for up to one year. A more affordable option for those who may not qualify for traditional LTC coverage.
Asset-Based LTC Planning
Uses existing assets — such as a CD or savings — to fund a policy that provides a leveraged LTC benefit without ongoing premiums.
Who Should Consider LTC Insurance?
If any of these sound familiar, it may be time to plan.
You are between 50 and 65
This is the ideal window to secure coverage — you are likely still healthy enough to qualify, and premiums are more affordable than waiting.
You want to protect your retirement savings
A single long-term care event can deplete decades of savings. Insurance transfers that risk so your nest egg stays intact.
You do not want to burden your family
Most family caregivers are unprepared for the physical, emotional, and financial demands of providing care. A plan gives everyone peace of mind.
Ready to take the next step?
A 30-minute conversation with William can help you understand your options and what coverage might look like for your situation — at no cost and no obligation.
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Schedule a Complimentary Consultation
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