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Learn About Long Term Care Insurance

We are all living longer today.  Living longer, however, carries concerns for you about how you will pay for your care when you can no longer care for yourself. 

And your chances of living longer presents concerns for you as to whether your family and loved ones will be burdened by your care needs.

Government studies show you have a 71% chance of needing care at some point in your life.  And contrary to what you might believe, private health insurance and Medicare will not cover your costs.

Currently, the 2024 nationwide average cost of care for a private room in a nursing facility is $304.00 day or $110,960 per year.  The average costs increase with inflation by approximately 3% per year.

Securing your future with planning will allow you to protect your retirement assets, enable you to receive your care with dignity in the setting of your choice, and most importantly will guarantee you will not burden your loved ones with caregiving responsibilities. 

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Find The Right Long Term Care Insurance Plan For You

Wouldn't it be nice to work with a truly independent and unbiased agent that will help you to review the costs and benefits of every company in the marketplace to allow you to instantly compare policies on an apples-to-apples basis?

Did you know your costs can differ by as much as 50% for the exact same benefits?

Review and compare quotes of the top-rated providers.

We will send you long term care insurance illustrations for each company available in your State.

Compare quotes from Lincoln Moneyguard Fixed AdvantageOneAmerica, National Guardian Life, Nationwide, Securian, Mutual of Omaha, New York Life, Brighthouse SmartCare, Mass Mutual, Global Atlantic, & more!

We truly are your "one-stop shop."

Complete our easy online quote request form

Compare long term care insurance rates today and save up to 50%!

Consider a Hybrid Long Term Care Policy

Hybrid long term care policies (also known as asset-based policies) that combine LTC benefits with life insurance or annuities are increasingly growing in popularity. 

What's the appeal? 

Well, the appeal of hybrid long term care insurance policies is simple to understand. 

You will receive:

  1. long term care insurance benefits should you need care;
  2. life insurance benefits should care not be needed; and
  3. a cash surrender value should you ever change your mind. 

Funded with either a one-time single premium or installments, Hybrid Life/ LTC policies such as OneAmerica Asset Care, Nationwide CareMatters IISecurian SecureCare III, or Lincoln Moneyguard are well worth your consideration.

Market Shift To Asset Based Long Term Care Insurance

See The Cost of Long Term Care Where You Live

An important part of your planning is understanding the current cost of care where you live today, or where you might ultimately retire to.

Discover the current 2024 Cost of Care in your City or State for Home Health Aides and Homemaker Services, Assisted Living Facilities, and Skilled Nursing Facilities.

Experienced and Independent

Jack Lenenberg has helped consumers research their long term care insurance needs since 1998! 

I recognize that navigating your various options is confusing.  Rest assured, I promise to provide you with transparent access to the insurance costs and benefits of all available policies to help you make an informed and educated decision. 

Objective, Unbiased Advice

I will give you unbiased and objective advice so you can determine the best policy and the right amount of coverage for your needs.  

Protect yourself today so you may relax knowing your family and loved ones will be thankful for your decision to plan ahead.  Get started: Call me toll free today at (800) 891-5824.  Or submit your online quote request.

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Jack Lenenberg, Owner

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“Dear Jack, Once again thank you for taking a look at my LTC policies and offering an opinion. In my internet search to get a better understanding of LTC insurance I found your website to have a wealth of information. Your rapid response was welcomed as it helped me make an educated decision. It's this helpful dedication that has made you highly successful in the LTC insurance business. You gained no financial benefit but my gratitude that there are people out there that are super human beings. With thanks.”

Pascal Mascarenhas, Buena Park, CA More testimonials

From the blog

Your Cash Indemnity Long Term Care Insurance Options

Securian Secure Care Iii Cash Indemnity Ltc

May 17, 2024

Written by Jack Lenenberg

On the surface, you may believe that long term care insurance...

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