Future-Proof Your Care
Secure your future with an Indexed Universal Life (IUL) policy that offers long-term care coverage, ensuring peace of mind throughout your retirement journey.
How IUL Benefits Long-Term Care:
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Cash Value Access
Pay for long-term care using your policy’s cash value without depleting your savings.
Tax-Deferred Growth
Allow your funds to grow tax-free, providing more financial support when care is needed.
Flexibility and Security
Keep life insurance and long-term care coverage, protecting all stages of retirement.
Cost-Effective Coverage
Avoid the high premiums of standalone LTC policies by leveraging your IUL.
How to pay for Long Term Care?
The cost of medical care plus long-term care is the biggest financial risk you will face in retirement.
It is depressing to contemplate the need for such care, which is defined as assistance in completing activities of daily living such as eating, bathing, dressing, and toileting.
The costs for skilled nursing care vary from state to state; however, they are all expensive.
Only 15% of adults age 65 have any type of insurance that will help pay for insurance because of the expense.
48% of people turning 65 will require paid long-term care for more than two years.
Alternatives to Long-Term Care Insurance:
- Rely on family members
- Staying healthy and never needing long-term care
- Self-fund from savings
- Sell assets
- Sell your home
- Reverse mortgage
- Home equity loan
- Hybrid Life Insurance policy
- Annuity with chronic illness rider
Cash Value Access
We have some excellent long-term policies that are more affordable than you think.
Tax-Deferred Growth
Check with us for affordable ideas on managing these expenses using a hybrid IUL that can include a long-term illness rider for a minimum cost. If you don’t use it you don't lose it
Flexibility and Security
We also offer a hybrid annuity with a long-term rider, which is very affordable.
Who Should Consider IUL for Long-Term Care?
This solution is ideal for:
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Individuals looking to cover long-term care expenses without the unpredictability of traditional insurance.
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Retirees wanting to maintain both wealth and life insurance protection while addressing future healthcare needs.
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Anyone seeking a flexible, growth-oriented policy for retirement and care planning.
Plan for Tomorrow, Today
Long-term care costs are rising, but you don’t have to face them alone. With NPPSS, your retirement and healthcare are in good hands. Contact us today to secure a plan that protects you and your family’s future.