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
Some policies pay cash directly to you
One of the most valuable features of modern long-term care coverage is how the benefit reaches you. Traditional policies reimburse you for care after you submit receipts. But many of today’s plans — including cash (indemnity) benefit designs — pay a set amount directly to you each month once you qualify, to use however you choose.
Why the cash benefit matters: You can use the money to pay a family member who cares for you, cover home modifications, hire help, or anything else — no receipts, no reimbursement paperwork, no restrictions on which provider you use. For many families, that flexibility is the whole point: the care happens at home, on your terms, and the benefit simply shows up.
Nationwide CareMatters® long-term care solutions
As an appointed Nationwide agency, we offer their CareMatters family of long-term care products — built around the cash-benefit approach:
- CareMatters II — a linked-benefit (hybrid) universal life policy with a cash indemnity benefit: once you qualify, Nationwide pays 100% of your approved monthly benefit directly to you, with no monthly bills or receipts to submit. If you never use the care benefit, a guaranteed minimum death benefit still passes to your family.
- CareMatters Together — a joint-life version for couples, with a shared pool of long-term care benefits either partner can use.
- CareMatters Annuity — an annuity-based option (single premium or 1035 exchange) that can multiply your contract value for tax-advantaged long-term care.
- Long-Term Care Rider II — an optional add-on available on many Nationwide permanent life insurance policies.
Pay a family caregiver. Because CareMatters pays cash, you can use the benefit to pay a family member, friend, or neighbor who cares for you — as long as a licensed health care practitioner approves the care plan. (Paying a family caregiver can have tax implications, so we’d point you to a tax professional on the specifics.)
We work with Nationwide and other leading carriers that offer cash-benefit and hybrid long-term care solutions. Whether you want a traditional LTC policy, a cash-indemnity plan that pays you directly, or a hybrid life + LTC policy that protects your premium either way, we’ll walk you through the options and find the right fit for your health and budget.
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