Long Term Care Insurance

Long-term care is a series of expensive medical and non-medical services offered over an extended period of time. It provides a level of medical care from skilled practitioners to address chronic conditions. Services also include non-skilled personal care, such as help performing Activities of Daily Living (ADL):


  • Bathing
  • Dressing
  • Eating
  • Transferring (to or from bed or chair)
  • Ambulation (walking without assistance)
  • Using the bathroom

Appropriate care facilities are often far from home and unappealing to visitors. Frequently people in need of this type of care recover within two years, only to find their retirement assets depleted. The costs can also place a financial burden on the surviving spouse or consume assets intended for the next generation.

One goal of long-term care insurance is to help safeguard hard-earned retirement and inheritance assets. Another benefit of long-term care insurance is that it allows people to receive care in the comfort of their own home, rather than in a health-care facility.

Contact us today so we can evaluate your finances to determine if you are a good candidate for long-term care insurance coverage.

Securities and advisory services offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency), member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Investment advisory services may also be offered through HBW Advisory Services LLC. HBW Insurance & Financial Services, Inc. dba HBW Partners and HBW Advisory Services LLC are separate entities which do not offer legal or tax advice.

This site is published for residents of the United States only. Financial professionals of Cetera Advisor Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every financial professional listed. For additional information please contact the financial professional(s) listed on the site, visit the Cetera Advisor Networks LLC site at www.CeteraAdvisorNetworks.com.

Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

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