Long-Term Care Insurance

Bolster your client’s estate planning strategy and help them safeguard their assets with a policy designed specifically with their goals and budget in mind. Our specialists are here to guide both you and your clients from start to finish.

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Long-term care insurance (LTCI) is used in pre-planning to secure future coverage for long-term care. LTCI is ideal for relatively young and healthy clients and is often used as part of an estate planning strategy. Policies can be tailored to a client’s specific budget and circumstances.

Refer Your Estate Planning Client to Krause

If you have clients with a Long-Term Care Insurance need, we're here to help. Put your clients in the capable hands of our staff LTCI specialists and earn a referral fee for each submission.

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When to Consider Long-Term Care Insurance

LTCI is a great addition to any estate plan, but clients may be a particularly good fit if they wish to:

Maintain indepedence and avoid burdening their loved ones
Choose where they will receive care
Avoid the emotional and financial distress of crisis planning
Preserve their assets for themselves or the next generation

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Traditional Long-Term Care Insurance

Traditional long-term care insurance functions like a typical insurance policy where the owner pays premiums in exchange for future benefits. It has no cash value but can be customized with additional riders. Policies are typically available for healthy clients up to the age of 79.

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Asset-Based Long-Term Care Insurance

Asset-based long-term care insurance, also known as hybrid or linked-benefit LTCI, consists of a life insurance or annuity contract with long-term care benefits attached. It has cash value that continues to grow. Policies are typically available for healthy clients up to the age of 80.

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WHY USE LTCI?

We all know that over 50% of seniors will need long-term care at some point, and LTCI is the best way to protect your clients financially from an extended care event. Learn why LTCI is a crucial addition to your practice.

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OUR PROCESS

Our in-house LTCI team provides the support you need to successfully make this product a part of your practice. Whether you’re looking to integrate LTCI into your offerings or you’re simply looking to refer your client to a trusted partner, we’re here to help.

How It Works

LTCI FAQs

What is the difference between traditional and asset-based policies? What is needed to obtain a quote? What if I’m also licensed? Dive into the details and get answers to our most commonly asked questions on the product and our process.

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What We Offer

We make the process simple, streamlined, and customized to your preference. Our team can work either with you or with your client directly, making it easy for you to start offering LTCI right away.