• Traditional Products
  • Hybrid/Asset based solutions
  • Alternative Care Plan
  • Advanced Strategies for LTC
  • Worksite LTC
  • & MORE!
  • Traditional Products
  • Hybrid/Asset based solutions
  • Alternative Care Plan
  • Advanced Strategies for LTC
  • Worksite LTC
  • & MORE!

YOUR FIRST CHOICE FOR Long Term Care Protection

As your Ramsey Trusted Advisors, we are here to Serve and Educuate you on your choices when it comes to your Extended Care needs.

We promise to put your interests ahead of our own at all times. As independent specialists, we work with all the top-rated insurance carriers nationwide. Therefore, we have no affiliation to a single company. This allows us to shop all of your choices to determine which insurance carrier and product is truly the best fit for you and your family.

We specialize in the following LTC INSURANCE SERVICES

Navigating the waters of LTC coverage can be tough. The good news is, you do not have to charter the waters of LTC planning on your own. Your RamseyTrusted LTC team is here to create your Extended care plan. As your Trusted independent LTC Advisors & Educators, we will shop the market for you and find the company that fits your needs best. Then we will design you a customized plan to meet your needs and care wishes.

Traditional LTC

Covers costs of long-term services like in-home care, Assisted Living or Nursing Homes. Pays daily/monthly benefits after a waiting period.

  • Pure Insurance
  • Premiums often more affordable
  • Benefits are Easy to Understand
  • Popular with Consumers

Hybrid/Linked Benefit Solutions

Combines two solutions into one product (Life or an Annuity w/LTC) for any care setting needed. Offers LTC coverage with a death benefit or premium return if unused.

  • Combines two solutions into one product (Life or an Annuity w/LTC
  • Often referred to as Asset Based protection or a Linked Benefit Strategy
  • Attractive to the Affluent client as a better way to self-fund
  • Often a solution for those who cannot qualify for a traditional plan due to health issues
  • For those that want a benefit that pays out whether you need care or not.

 

Short Term Care

Provides for temporary or shorter periods of care, usually for 90 days to 2 years of coverage. Ideal for rehabilitation periods; more affordable than traditional LTC.

  • Ideal for those that cannot qualify for a traditional or hybrid solutions.
  • Plans can cover care at home or in a facility.
  • Simplified Issue without a long drawn out approval process.
  • A little bit of coverage goes a long way vs none at all.

Worksite LTC

Offered through employers, giving employees access to LTC insurance at group rates, often with easier underwriting.

  • We work with All sizes of employer groups
  • Plans can be offered on a 100% Voluntary or with Employer Contribution
  • Guaranteed issue and Simplified issue options available.
  • Executive and C-Suite Carveouts are Available – Not subject to ERISA Regs!
  • Tax Incentives for the Employer and Employee

Advanced Strategies

Uses Various Insurance products to manage LTC costs and protect assets.
Reposition Cash Value from permanent life or annuity policies to fund your extended care plan. Complete a Life & Health Insurance review to learn where you are underinsured vs over insured.

  • Utilize qualified money to fund long term care with advanced strategies to minimize tax consequences.
  • Reposition Cash Value from permanent life policies to fund your extended care plan.
  • Roll over 401k’s to IRA’s using Insurance solutions to protect your hard earned money from market losses
  • Complete an Life & Health Insurance review to learn where you are underinsured vs over insured.

 

Alternative Care Plan

Provides for temporary or shorter periods of care, usually for 90 days to 2 years of coverage. Ideal for rehabilitation periods; more affordable than traditional LTC.

  • Ideal for those that cannot qualify for a traditional or hybrid solutions.
  • Plans can cover care at home or in a facility.
  • Simplified Issue without a long drawn out approval process.
  • A little bit of coverage goes a long way vs none at all.

Worksite LTC

Offered through employers, giving employees access to LTC insurance at group rates, often with easier underwriting.

  • We work with All sizes of employer groups
  • Plans can be offered on a 100% Voluntary or with Employer Contribution
  • Guaranteed issue and Simplified issue options available.
  • Executive and C-Suite Carveouts are Available – Not subject to ERISA Regs!
  • Tax Incentives for the Employer and Employee

Advanced Strategies

Uses Various Insurance products to manage LTC costs and protect assets.
Reposition Cash Value from permanent life or annuity policies to fund your extended care plan. Complete a Life & Health Insurance review to learn where you are underinsured vs over insured.

  • Utilize qualified money to fund long term care with advanced strategies to minimize tax consequences.
  • Reposition Cash Value from permanent life policies to fund your extended care plan.
  • Roll over 401k’s to IRA’s using Insurance solutions to protect your hard earned money from market losses
  • Complete an Life & Health Insurance review to learn where you are underinsured vs over insured.

 

Meet the Team

Use the arrows below to view our team member stories.

Christina Frey, CLTC®
LTCi Team Leader I Trainer I Advisor & Educator
Steve Elliott, CLTC®
LTCi Team Leader I Trainer I Advisor & Educator
Mischa Wright, CLTC®
LTCi Trainer I Advisor & Educator
Sozha Dorsey, CLTC®
Client Service Specialist
Kristine Swisher, CLTC®
Advisor & Educator
Jennifer Francisco, CLTC®
LTCi Team Leader I Trainer I Advisor & Educator
Liz Kelley, CLTC®
Advisor & Educator
Kelli Graham, CLTC®
Advisor & Educator

GET IN CONTACT WITH A Specialist TODAY

Start your LTCi conversation by scheduling your introductory phone meeting today.