Asset-based long-term care insurance:
The smart way to self insure

Are you worried about the high cost of long-term care in retirement, but hate the thought of paying for expensive insurance you may never use?

Now there’s a safe, sensible, tax-advantaged solution - one that doesn't require any out-of-pocket expense to you.

By simply repositioning a portion of your rainy-day assets to a new asset-based long-term care insurance plan, you could enjoy all these benefits:

• Up to six times your deposit in income tax-free long-term care coverage
• Up to twice your deposit in income tax-free life insurance
• A 100% money-back guarantee
• A guarantee you can never get back less than you put in
• A guarantee your cost of insurance will never increase
• A streamlined approval process with no physical exam

Asset-based long-term care insurance plans pay income tax-free benefits to you if you need covered care - or income tax-free benefits to your family if you don't.

Free Personalized Quotes

At RetirementGuardian.com we specialize in asset-based long-term care insurance solutions. Plus we're not tied to any insurance company or policy. This independence gives us the freedom to search the market to find you the asset-based plan that best suits your needs and budget. Our mission is to arm consumers with the information they need to help make an informed purchase decision and get the best value for their money. We do so by providing personalized price quotes on the most cost-effective plans from the highest-rated insurers.

For free, no-obligation quotes on the leading asset-based long-term care insurance plans, please complete and submit the FREE Quote form on this page – or simply call 800-341-0297.

Please don’t put this off. The younger and healthier you are when you start, the easier and less expensive it is to secure this valuable asset-based long-term care coverage.

“Consider a hybrid. The biggest stumbling block for buyers of long-term-care policies: Writing a big check for a product you hope you never have to use. Increasingly, retirees are turning to permanent life-insurance policies and deferred fixed annuities packaged with long-term-care benefits to cover the risk of spending much of their savings on nursing care. The appeal: You or your heirs get a payout even if you don't use long-term care, though it often is more costly to buy combined coverage than to buy separate policies, experts say. In most cases, people buy these products with a single lump-sum payment, effectively removing the risk that they could get hit with future premium increases. There are other tax perks as well: Payouts used for long-term care generally aren't taxable, and funds can be transferred directly from an annuity or life-insurance policy to buy such a "hybrid" without being taxed, either. ”

— Wall Street Journal, Don't Grow Old Without It, April 9, 2012

“If you can’t qualify for a stand-alone policy or if you worry that you’d be paying increasing premiums for years and might never payout, consider a policy that combines long term care and life insurance, or long term care and an annuity. It is generally easier to qualify for these combo policies than it is for stand-alone long-term care coverage. They provide a guaranteed payout to you or your heirs, regardless of whether you ultimately need long-term care. And because you normally need to invest a lump sum or pay premiums for a limited period of time, insurance costs are unlikely to increase. ”

— Kiplinger’s Personal Finance, January 2012

^* With asset-based long-term care insurance policies, both the life insurance and the long-term care coverage amounts will vary based on your age, gender and health – not to mention the amount and length of the payment of your long-term care benefits. All guarantees provided by insurance products are based on the claims-paying ability of the issuing company, so be certain to choose a highly-rated, financially-sound carrier. Not all features and benefits are available with all asset-based long-term care insurance policies.