Long-Term Care Insurance (LTC) helps provide for the medical expenses of extended home health care or nursing home costs beyond a specified period. In general, individuals who require Long-Term Care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance. The costs of Long-Term Care can be quite expensive, and are typically not covered under basic Health Insurance, Medicare, or Medicaid. Long-Term Care Insurance from Insure House Company can protect your family’s financial future by providing valuable coverage benefits for costs associated with:

Home Care
Assisted Living
Adult Daycare
Hospice Care
Nursing Homes
Respite Care
Individuals looking to purchase Long-Term Care Insurance must meet certain conditions in order to qualify for benefits. Talk to an insurance professional with Insure House Company to learn more about Long-Term Care Insurance and whether you should add it to your current policy. All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Policy guarantees and benefits are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company. There's a lot to like about two of the leading "Asset-based" Linked Life/LTC plans - Lincoln Financial MoneyGuard II and Nationwide Care Matters. But which is the best plan for you? As a quick refresher, linked life/ltc plans combine life insurance with tax-qualified long-term care insurance. If a policyholder needs long-term care, it is paid by first accessing an accelerated death benefit and then an extension of benefit rider. ​ Both plans offer features such as:
Return of premium
Guaranteed premiums and benefits
Tax-qualified (non-taxable) LTC benefits
Inflation options