Most people don’t realize Medicare does not cover long-term care. When care is needed, costs stack up quickly—at home or in a facility—and strain savings or place the burden on loved ones.

I work with multiple top carriers offering:

• Traditional long-term care

• Hybrid life/LTC

• Asset-based LTC

• Short-term home healthcare plans

All of these programs can solve the same core problems. The real difference is your health and how you prefer to fund your coverage—monthly premium, single deposit, or blended approach.