Asset-Based Long-Term Care
Protect your savings.
Keep it if you never need care.
Long-term care can drain a lifetime of savings in a few years. Asset-based long-term care puts your money in a policy that pays for care if you need it, and goes to your family if you don't. No use-it-or-lose-it.
- CLTC-certified specialist, not a call center
- Top-rated carriers compared
- No pressure, ever
1. U.S. Administration for Community Living, LongTermCare.gov. 2. CareScout 2025 Cost of Care Survey, national medians. 3. Medicare covers limited skilled nursing care, not ongoing custodial care.
The problem with traditional LTC insurance
Most people don't buy it. Here's why.
Traditional long-term care insurance works like car insurance: if you never use it, the premiums are gone. And many policyholders have watched their premiums rise again and again. Asset-based long-term care was built to fix both problems.
Guaranteed premiums
Many hybrid policies lock in your premium, paid once, over 5 to 10 years or for life. No surprise rate increases later.
Care if you need it
A monthly benefit for home care, assisted living, memory care or a nursing home, often for years, with options to extend for life.
Legacy if you don't
Whatever you don't use for care goes to your beneficiaries as a death benefit, generally income-tax-free.
Money you can reach
Many designs include a return-of-premium feature, so you can change your mind and get your premium back.
Long-term care cost calculator
What would care cost you?
Enter your age, when care might start and the type of care. We'll project the cost using 2025 national medians and a cost-growth rate you choose. This is the number asset-based coverage is designed to protect.
Cost of a year of care today
—national medianA year of care when it starts
—at age , with cost growthTotal you'd need to cover
—for of care,Hypothetical and simplified for education. Today's costs are 2025 national medians from the CareScout Cost of Care Survey (non-medical in-home care $35/hour at 44 hours/week; assisted living $6,200/month; nursing home $315/day semi-private, $355/day private; adult day $95/day). Costs vary widely by state and city. Results are not a quote and do not represent any policy's benefits.
Hybrid Life / LTC
Life insurance that pays for care.
A permanent life policy with long-term care benefits built in. Use the death benefit for care while you're living, and leave whatever's left to your family.
Explore hybrid life/LTC →Annuity / LTC
Turn idle savings into a care fund.
Reposition an existing annuity or CDs into an annuity that can pay two to three times its value for long-term care, often tax-free.
Explore annuity/LTC →Side by side
Traditional vs asset-based long-term care
| Traditional LTC insurance | Asset-based (hybrid) LTC | |
|---|---|---|
| If you never need care | Premiums are gone | Death benefit to your family; many plans offer return of premium |
| Premium increases | Can increase, subject to state approval | Often guaranteed never to increase |
| How you pay | Ongoing premiums for life | One payment, 5–10 years, or ongoing |
| Funding source | Monthly budget | Savings, CDs, an old annuity or life policy (1035 exchange) |
| Underwriting | Full health underwriting | Often simplified; annuity/LTC can be easier to qualify for |
| Cost per dollar of benefit | Usually lowest | Usually higher, in exchange for the guarantees |
How it works
Four steps to a plan you can stop worrying about
- 1
Free review
Derick looks at your savings, health, family and what you want to protect.
- 2
Compare carriers
We design hybrid life/LTC and annuity/LTC options from top-rated carriers side by side.
- 3
Choose your funding
One payment, a few years of payments, or reposition an existing policy or annuity.
- 4
Live your life
Care is covered if you need it. Your legacy is protected if you don't.
Free guide
The Complete Long-Term Care Guide
What care really costs in 2026, who actually pays (and why Medicare usually doesn't), the five ways to cover it, and three real-life examples. Plain English, no jargon.
- What each type of care costs
- Medicare vs Medicaid vs insurance
- Traditional vs hybrid coverage
- How couples can share benefits
Learn
Popular guides
What Is Asset-Based Long-Term Care?
How hybrid policies work, who they fit, and what they cost.
PlanningHow to Pay for Long-Term Care
The five real ways families pay for care, compared honestly.
StrategyUsing a 1035 Exchange for LTC
Turn an old annuity or life policy into long-term care coverage, often tax-free.
Common questions
What is asset-based long-term care?
Asset-based long-term care (also called hybrid or linked-benefit LTC) combines long-term care coverage with life insurance or an annuity. If you need care, the policy pays long-term care benefits. If you never need care, your beneficiaries receive a death benefit, and many designs also let you get your premium back. Your money doesn't disappear the way it can with a traditional use-it-or-lose-it LTC policy.
Doesn't Medicare pay for long-term care?
Mostly no. Medicare covers short skilled-nursing stays after a qualifying hospital stay, up to 100 days per benefit period, and in 2026 you pay $217 a day for days 21 to 100. It does not pay for ongoing custodial care like help bathing, dressing or memory care, which is most long-term care.
How much does long-term care cost?
In 2025 the national median cost was about $6,200 a month for assisted living, $35 an hour for in-home care and $315 to $355 a day for a nursing home, according to the CareScout Cost of Care Survey. A few years of care can easily cost $250,000 to $400,000 or more.
Is the review really free?
Yes. Derick Guyton, CLTC, reviews your situation, compares asset-based options from top-rated carriers and explains them in plain English. There is no cost and no obligation.
Your next step
See your numbers before you decide anything.
A free, no-pressure review. We'll compare asset-based long-term care options from top-rated carriers side by side, including what happens if you never need care.