The decision most people put off too long.
Long-term care is the planning topic most likely to be ignored — and the one most likely to derail a retirement plan if it's needed and uninsured. I help you decide between standalone LTC, hybrid life-LTC products, and deliberate self-funding, while you're still healthy enough to qualify.
At a glance
- Best for
- Ages 40–60, in good health, with assets to protect
- Format
- Virtual anywhere in the US. In-person in the Houston area upon request.
- First step
- Complimentary intro call · 5–45 min
- Coordinates with
- Your CPA, Attorney, and Plan Administrator
01 · Who this is for
Situations I see most often.
- You're in your 50s or early 60s and haven't seriously considered LTC.
- You watched a parent's care erode their savings and want to plan differently.
- You're considering hybrid life/LTC policies but don't understand the tradeoffs.
- You believe you'll self-fund and want to verify the math.
- You believe Medicare will cover any needed long-term care costs. Unfortunately, Medicare doesn't cover many of these costs.
02 · What's included
What the engagement covers.
- Care-cost projection in facilities near you.
- Standalone vs. hybrid vs. self-fund comparison.
- Underwriting expectations and timing.
- Existing-policy review (rate-increase history, benefit triggers, inflation rider).
- Coordination with broader retirement income plan.
03 · How the process works
A measured approach, in clear steps.
Cost baseline
We use current assisted living and nursing care costs in your area to set realistic expectations.
Strategy choice
Standalone LTC, hybrid life-LTC, or self-fund — each has tradeoffs in liquidity, leverage, and rate risk.
Application
If insurance is the right path, we apply with one to three carriers. Underwriting can take 4–8 weeks.
Documentation
Whoever you trust to act on your behalf gets a copy of the policy summary, contact numbers, and benefit-trigger criteria.
04 · Common questions
Plain-English answers.
When should I consider LTC?
The 50s and early 60s are the typical sweet spot — premiums are still affordable and most people still qualify medically. Waiting until 70 often eliminates options.
What's a hybrid life-LTC policy?
A life-insurance policy with an LTC rider (or a chronic-illness rider) that lets you accelerate the death benefit to pay for care. Premiums are higher than standalone life, but unused benefits go to heirs.
Can I self-fund?
Some households can. The math depends on your total assets, health-history risk, willingness to commit a portion of the portfolio specifically for care, and your spouse's protection. We'd model it.
05 · Related services