Long-Term Care Insurance

Life can change in an instant—and planning ahead ensures you stay in control. Long-Term Care (LTC) Insurance helps protect your family, your health, and your financial future by covering the cost of care when you need help with everyday activities due to aging, illness, cognitive impairment, or injury. Without coverage, these expenses can quickly erode assets you’ve worked a lifetime to build.

At The Viti Companies, our goal is simple: provide clarity, choice, and a plan that offers peace of mind. As independent brokers, we evaluate top-rated insurance carriers so you can compare options and secure the best fit for your goals and budget.

Long-Term Care Coverage:

• Protects your assets and retirement income. LTC costs can exceed $60,000-$120,000 per year depending on the level of care. Coverage helps preserve savings, investments, and your estate.
• Reduces the burden on family. Loved ones can support—not shoulder—the responsibility of caregiving.
• Provides flexibility in your care setting. Benefits can pay for care at home, in assisted living, adult day care, or skilled nursing facilities.
• Keeps you in control of your future. With a plan in place, you decide how and where you receive care.

We offer a full suite of LTC planning options:

• Traditional Long-Term Care policies, designed specifically for LTC protection, with customizable benefit periods and inflation options.
• Hybrid Life/LTC and Annuity/LTC policies, where you “use it for care, use it for life, or pass it on”. These plans provide long-term care benefits with a death benefit or cash value if care is ever needed.
• Short-Term Care options: more affordable coverage with shorter benefit periods, ideal for budget-conscious planning.

1. Personal needs analysis
2. Side-by-side carrier comparison
3. Customized LTC plan and quote options
4. Stress-free application and enrollment support

Generally, individuals in their 40s-60s receive the most favorable rates and health approvals—but it can be valuable to explore options at any stage of planning.

Long-term care planning is one of the most important financial decisions you can make. We’re here to guide you through it with transparency, expertise, and compassion.