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Individuals & Families

Protect your retirement from long-term care costs.

For pre-retirees and retirees who want to protect their savings, preserve their independence, and avoid becoming a financial burden on their family.

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Long-term care is the retirement expense nobody plans for, until it's too late.

The average cost of a private nursing home room exceeds $100,000 per year. Home health aides, assisted living, memory care: these costs can devastate a retirement portfolio in just a few years.

Medicare covers very little. Medicaid requires you to spend down nearly all of your assets. And most people don't realize this until they or a loved one needs care.

Without a plan, the financial and emotional burden falls entirely on your family.

The Solution

A proactive long-term care strategy protects everything you've built.

Long-term care planning is about preserving your choices. With the right coverage in place, you decide where you receive care, how you receive it, and who provides it, not your bank balance.

We design strategies that fit your situation, whether that's traditional LTC insurance, hybrid life/LTC policies, or asset-based solutions that provide benefits whether or not you ever need care.

What you gain working with us.

  • Protection against care costs that can exceed $100,000 per year
  • Preservation of retirement assets built over a lifetime
  • Coverage that lets you choose home care, assisted living, or nursing care
  • Relief for family members who would otherwise shoulder caregiving responsibilities
  • Asset-based options that return value whether or not you need care

How it works.

01

Risk Assessment

We evaluate your health history, family situation, assets, and care preferences to understand your exposure.

02

Strategy Design

We compare traditional LTC, hybrid policies, and asset-based solutions to find the right fit for your goals and budget.

03

Implementation

We help you secure coverage and integrate it into your broader retirement and estate plan.

04

Ongoing Review

We revisit your plan as your health changes and ensure your coverage remains appropriate.

Why clients choose Anchor.

Veteran-Owned

We serve our clients the same way we served our country, with no corners cut.

Family-Focused Planning

We consider the impact of care decisions on your entire family, not just your balance sheet.

Multiple Carrier Options

We compare options across carriers to find coverage that's affordable and comprehensive.

Integrated with Your Retirement Plan

We build your LTC plan into your income, investment, and estate strategies.

Frequently asked questions.

What does long-term care insurance cover?
LTC insurance typically covers costs associated with home health aides, adult day care, assisted living facilities, memory care, and nursing home care. Benefits are usually triggered when you need help with two or more Activities of Daily Living (ADLs).
At what age should I buy long-term care coverage?
The ideal window is typically ages 50–65. Premiums are significantly lower, and you're more likely to qualify medically. Waiting too long can result in higher premiums or denial of coverage.
What's the difference between traditional LTC and a hybrid policy?
Traditional LTC insurance pays only if you need care. Hybrid policies combine life insurance or an annuity with LTC benefits. If you never need care, your beneficiaries receive a death benefit. Hybrid policies eliminate the 'use it or lose it' concern.
Does Medicare cover long-term care?
Medicare covers short-term skilled nursing care (up to 100 days) following a qualifying hospital stay. It does NOT cover custodial care or long-term assistance with daily activities. This is one of the most common and costly misconceptions in retirement planning.
How much does long-term care insurance cost?
Premiums vary significantly based on your age, health, coverage amount, and benefit period. A 55-year-old in good health might pay $2,000–$4,000 per year for solid coverage. We run a full analysis before making any recommendation.

Let's build a strategy that fits your situation.

Schedule a Free Consultation