Linked Benefits Products:

Have you been turned down (declined) for long term care insurance?

Does you health prevent you from applying for long term care insurance?

If you answered yes may want to consider an alternative to spending down your own nest egg to pay for long term care. This is a fixed annuity with a long term care rider to cover long term care expenses.

You can have access to benefits without depleting your principal, avoid invasive medical questions, and pay for in-home care. There is nothing more flexible and feature rich that will provide you with financial security and long term care peace of mind as our fixed annuity with extended care protection. More information.


Email or call us if you have questions.

Also available:

Universal Life insurance with long term care benefits.

Single premium and deferred premium annuities with long term care benefits.

Decline Appeals:

Sometimes an application is declined because of errors in the medical records or health evaluation. We have years of experience appealing declines which sometimes are reversed.

If you have been declined feel free to give us a call to discuss your situation.

Pre and Post Purchase Support

We are available by phone or email to answer any questions before you apply, during underwriting, and after you are insured.

We will be glad to answer your questions even if you are not a client. If you have a question about long term care we will either answer it or do our best to find the answer!