Long-Term Care Insurance
Protecting Your Future and Your Loved Ones
Designed For Your Needs
Act Now To Begin Coverage
People 65 and older have a 70% chance of needing some type of long term care in their remaining years,and an unfortunate diagnosis may limit you from qualifying for any coverage.
Planning for the future means preparing for the unexpected. Long-Term Care Insurance helps safeguard your savings, preserve your independence, and protect your loved ones from the physical, emotional, and financial strain of extended care needs.
Many Americans will need some form of long-term care in their lifetime—whether due to a chronic illness, disability, or the natural effects of aging. Without a plan, these costs can quickly erode the assets you’ve worked hard to build.
Policy Choices
Understanding Long-Term Care Options
Home and Community-Based Care
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Services that allow you to stay in your home while receiving professional assistance
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Adult day care programs for social and therapeutic support in a community setting
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Home health aides, homemaker services, or caregiver training for family members
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Care coordination and planning services to help assess needs, arrange care, and monitor quality of support over time
Facility Care Services
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Assisted living communities offering daily personal care
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Skilled nursing facilities providing rehabilitation, therapies, and 24-hour supervision
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Memory care units designed for individuals with Alzheimer’s or other cognitive impairments, offering specialized safety and support
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Hospice or end-of-life care to ensure comfort, dignity, and compassionate attention in a professional setting
Why Long-Term Care Planning Matters
Statistically, 7 out of 10 people over age 65 will need long-term care services at some point in their lives. These services may include help with activities of daily living—such as bathing, dressing, eating, or mobility—or supervision for cognitive impairments like Alzheimer’s or dementia.
While family members often step in to help, becoming a caregiver can have serious financial and emotional consequences. Many caregivers are forced to reduce work hours, retire early, or deplete their own savings to provide support. Having long-term care coverage allows your loved ones to focus on your well-being, not your bills.
The Rising Cost of Long-Term Care
Without insurance, the cost of care can be overwhelming. Based on national averages*:
Private Nursing Home
$108,405
Assisted Living Facility
$54,000
Adult Day Care
$34,675
Home Health Aide
$61,776
*APA Simmons, C. (2025, April 17). Average Cost of Long-Term Care by State + How To Plan. RetireGuide.com. Retrieved October 24, 2025
Work with a Licensed Independent Agent
As an independent financial professional, I can help you:
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Compare plans from multiple trusted insurance providers
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Customize coverage and payment options to match your goals
3
Integrate your plan with existing life insurance or retirement strategies
About One Stop Financial Group
Since 2007, One Stop Financial Group has been a leader in providing comprehensive financial solutions. Our expertise in retirement planning, life insurance, and business planning ensures that our clients receive tailored strategies to meet their unique needs. Licensed across six states, we are committed to delivering exceptional service and peace of mind through our specialized offerings.
