Long Term Care
We understand the importance of securing your future. Our Long-Term Insurance plans provide comprehensive coverage to protect you and your loved ones from financial uncertainties over an extended period. Whether you’re planning for retirement, medical expenses, or unforeseen circumstances, our tailored solutions ensure peace of mind and stability.
Why Choose Our Long-Term Insurance?
At InsureWise, we understand that everyone’s financial goals are unique. Here’s why our Long Term solutions stand out:
Financial Security
Customizable Plans
Affordable Premiums
Lifetime Support
What is long-term insurance?
Long-term insurance provides financial protection for an extended period, covering risks such as life insurance, disability, chronic illnesses, retirement planning, and income protection.
Why do I need long-term insurance?
Long-term insurance ensures financial security for you and your family in case of unexpected events such as illness, disability, or loss of income. It helps cover medical expenses, replaces lost income, and provides peace of mind.
How do I choose the right long-term insurance plan?
Our expert advisors at InsureWise Insurance will help you assess your needs based on your age, financial goals, health condition, and family situation to find the best plan for you.
How much does long-term insurance cost?
The cost depends on factors such as your age, health, coverage amount, and type of policy. We offer flexible plans with affordable premiums to fit your budget.
Our Long-Term Insurance Services
1
Long-Term Life Insurance
Whole Life Insurance – Lifetime coverage with cash value accumulation.
Universal Life Insurance – Flexible premiums with long-term financial benefits.
Survivorship Life Insurance – Covers two individuals and pays out upon the second person's passing.
2
Long-Term Health & Care Insurance
Chronic Illness Insurance – Covers long-term medical conditions requiring ongoing treatment.
Long-Term Care (LTC) Insurance – Helps pay for nursing homes, assisted living, or home care.
Extended Hospitalization Coverage – Covers hospital stays beyond standard health insurance limits.
3
Estate & Legacy Planning
Wealth Transfer Solutions – Secure financial inheritance for future generations.
Trust & Will Assistance – Helps with legal planning to distribute assets smoothly.
Endowment Insurance – Long-term savings with a payout after a fixed period.
4
Long-Term Disability Insurance
Total Disability Coverage – Provides income if you become permanently disabled.
Partial Disability Coverage – Offers financial support if you can work only part-time due to an injury or illness.
Own-Occupation Disability Insurance – Covers individuals unable to work in their specific profession.
5
Long-Term Income Protection
Permanent Income Replacement – Ensures financial security if you can no longer work.
Family Income Benefit Plans – Provides monthly payments to dependents after your passing.
Key Person Insurance – Long-term financial protection for business owners and executives.
6
Investment-Linked Long-Term Insurance
Wealth-Building Life Insurance – Combines life coverage with investment growth.
Education Protection Plans – Ensures funds for your children's long-term education needs.
Indexed Universal Life Insurance – Tied to stock market performance for potential growth.
