Plan for Long-Term Care While You Still Have the Choice —
with Long-Term Care Insurance
Long-term care insurance is the planning tool that keeps your retirement intact, your family protected, and your choices your own. BeaconLTC connects you with independent long-term care insurance specialists who put your needs first.
Long-term care insurance specialists who work for you, not a carrier
As an independent long-term care insurance agency, BeaconLTC shops every top-rated carrier on your behalf. Our specialists bring no quotas, no single-company bias, and no pressure. Just the long-term care insurance plan that actually fits your life.
We compare Mutual of Omaha, Nationwide, Brighthouse, and more to find your best long-term care insurance fit.
Your health, goals, and budget shape every long-term care insurance recommendation. Not a generic script.
Long-term care insurance plans that return value even if you never file a claim. Your premium is never wasted.
Your long-term care insurance specialist stays available after enrollment. A real person picks up the phone when you call.
Four Types of Long-Term Care Insurance
A dedicated monthly benefit for qualified long-term care expenses. Best rates for healthy applicants in their 50s.
Learn more →Life insurance with a long-term care insurance rider. Unused benefits return as a death benefit. Your premium is never lost.
Learn more →Reposition an existing asset to create a tax-advantaged long-term care insurance fund. No ongoing monthly premiums.
Learn more →For high-net-worth households. We help you calculate whether your portfolio can realistically absorb the risk of not having long-term care insurance.
Learn more →How much long-term care could cost without insurance
Long-term care costs in Florida are among the highest in the country. Our specialists use this tool every day to show clients what the numbers look like for their own situation.
Long-term care insurance can cover a meaningful portion of this exposure. A BeaconLTC specialist can show you what a plan would look like at your current age and health.
For educational purposes only. Does not constitute a quote or guarantee of long-term care insurance coverage. Actual costs vary by individual circumstances and provider availability.
No health questions. No medical exam. Every eligible employee who enrolls during the open window qualifies for long-term care insurance.
Give your employees long-term care insurance they will actually remember
Employer-sponsored group long-term care insurance sets your benefits package apart in a competitive hiring market and builds the kind of loyalty that shows up every day. A BeaconLTC specialist will walk you through the long-term care insurance options that fit your team.
Long-term care insurance differentiates your offer from competitors who only provide the basics.
Employees protected by long-term care insurance stay longer. It signals that you invest in their long-term wellbeing.
Group long-term care insurance plans carry significantly lower premiums than individual policies.
Our specialists manage long-term care insurance enrollment from start to finish. Minimal burden on your HR team.
Getting long-term care insurance is simpler than you think
A long-term care insurance specialist discusses your health, goals, and budget. No scripts, no pressure.
We shop top-rated carriers and present the long-term care insurance options that fit your situation, side by side.
You choose your long-term care insurance plan. We handle the paperwork and stay available as your needs evolve.
Short videos about long-term care insurance
These brief educational resources cover the long-term care insurance questions our clients ask most. Watch before your consultation or share with a family member.
I became a long-term care insurance specialist because I have lived the experience of watching a family navigate care without a plan in place. That experience shaped everything about the way I work with clients. My goal has never been to sell a long-term care insurance policy. It has been to help you build a plan that protects your family when it matters most, at a price that makes sense for your life.
As an independent long-term care insurance broker and the founder of Beacon Insurance Agency, I built this agency around one principle: you deserve advice that serves your interests, not a carrier's sales goals. When you work with BeaconLTC, you work with a specialist who takes the time to understand your situation before making any recommendation.