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The Million-Dollar Mistake

In 20 years, long-term care could cost over $1 Million per spouse.

Turn your savings into 6x more long-term care coverage.

Your Protection Level

What $100K Protects for Your Family

A small asset can create massive long-term care benefits. Think CDs, old annuities, old life policies.

Your Age60
4085
Premium Type
$725Ktotal benefits
$495K
$230K
Day-One Benefitsif you needed care today
25 yrs
$1.3Mtotal benefits
$1M
$280K
At Age 85avg. LTC event age
Day-One Benefits
At Age 85
Simplified Underwriting
4.4x–5.5x
8x–12x
Guaranteed Issue
1.4x–3.2x
1.8x–3.8x

benefit multiple per $1 repositioned

At age 60, every dollar you reposition today could become $1,280,000 in combined benefits by the time you're most likely to need care. That's 25 years of growth built into the product—no market risk required.

Illustrative ranges based on 2026 carrier data. Actual benefits depend on age, gender, health status, carrier, and selected options. Simplified underwriting requires answering health questions; guaranteed issue products have no health requirements. Not a guarantee of benefits. Contact a licensed specialist for a personalized illustration.

The #1 Question We Get

"This sounds great... but will my health disqualify me?"

The biggest myth in long-term care planning is that you need perfect health to get approved. Because these are specialized repositioned assets, the underwriting rules are completely different.

Fact: Most pre-existing health conditions are accepted.

Don't count yourself out before you even check. It costs absolutely nothing to see how much leverage your health qualifies you for.

The Numbers Most People Never See

91%
Probability 1 spouse needs Long Term Care.
$130,000+
Average cost of a nursing home per year.
3–5 Years
Average duration of long-term care needed.
100%
Out of pocket if you aren't prepared.

There is a massive gap left in most retirement plans because traditional medical insurance and Medicare generally do NOT cover long-term custodial care.

If you want to...

Unburden family when you need care

Stay in your home when you need care

Preserve your legacy

Why Your Financial Advisor May Have Missed This

Many financial advisors are brilliant at growing your money, but they are not licensed or specialized in advanced long-term care asset protection.

They focus strictly on investments and market returns, ignoring health risk factors.
They assume your portfolio is large enough to self-fund (which drains it rapidly).
They lack access to the specialized leverage products exclusively used by LTC specialists.
"Financial advisors are inherently good people who want the best for their clients."
"However, many are simply unaware of the massive gap long-term care leaves in standard retirement plans."

Don't Find Out Your Mistake the Hard Way

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Why I Created This Guide

Over the years, I've watched families lose decades of hard-earned savings to unexpected long-term care costs. The tragedy is that it's entirely preventable with the right planning. I compiled this guide to give you the exact strategies the wealthy use to protect their assets—so you can enjoy retirement with absolute peace of mind.

Tyler Maddox

LTC Specialist

Ready to See What You Might Be Missing?

expertltc.com

Independent Long-Term Care Insurance Specialists

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This website is for educational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any insurance product. Insurance products are not available in all states. Availability of products and features may vary by state. All guarantees are based on the claims-paying ability of the issuing insurance company. Please consult with a licensed insurance professional to determine the best options for your individual situation.