Protect everything you've built
One extended illness can cost over $100,000 a year. LTC insurance keeps your savings intact and gives your family real options.
Average yearly cost — private nursing home in California
Most families can't cover this out of pocket. LTC insurance means your savings stay yours.
See your ratesCare wherever you need it
From your living room to a full-care facility — the right policy gives you the freedom to choose.
In-Home Care
Skilled nurses and aides who care for you in your own home — the most preferred option.
- Stay at home
- Skilled nursing
- Personal care
Facility Care
Assisted living, nursing homes, and memory care — without draining your savings.
- Assisted living
- Memory care
- Nursing homes
Hybrid Policies
Combine life insurance + LTC. Never used? The benefit passes to your family.
- Never lose premiums
- Death benefit
- Estate planning
70% of people over 65 will need long-term care
- Medicare won't cover long-term custodial care
- Medicaid requires spending down nearly all your assets
- Best rates are locked in during your 50s
- Hybrid plans protect your premium either way
Medicare does NOT cover long-term care. It only pays up to 100 days of skilled nursing after a hospital stay — not ongoing help with daily living. Most people learn this too late to plan.
What makes us different
Real advice from real people who put your family and business first.
Independent agency
We're not tied to one carrier — we shop the whole market for your best fit.
Local licensed advisors
Real people in the Los Angeles area who know California insurance inside and out.
Save up to 40%
Comparing carriers means you never overpay for the same coverage.
No pushy sales
Honest advice, zero pressure. The decision is always yours.
Common questions about long-term care
Talk to an LTC specialist
Long-term care planning is personal. Tell us a bit about your situation and a licensed specialist will call you back — usually within one business day.
Request a Call Back
A licensed advisor will reach out within 24 hours.
Plan today — while rates are low
Tell us a bit about your situation and a licensed LTC specialist will call you back.
Most suitable for ages 50–70