Specialty Insurance Coverage Portfolio
Long Term Care (LTC) & Asset Protection
Shield your life savings from catastrophic nursing home, memory care, assisted living, and in-home caregiver costs.
Regulated Rates from $110/mo
Licensed Counselor Included
Zero Brokerage Markups
Guaranteed Rate Lock
Starting at $110/mo
Or call toll-free: 1-800-555-OPTAVISE
Core Coverage Benefits & Protections
Covers in-home health aides, adult day care, assisted living facilities, and nursing homes
Asset protection: Prevents Medicaid spend-down of your retirement portfolio
Hybrid asset-based options: If you never need care, death benefit passes to your heirs
Inflation protection riders ensuring your daily benefit grows with healthcare costs
Tax deductible premiums for business owners and individuals under HIPAA rules
Structured Plan Comparison Options
| Plan Level | Coverage Target | Living Benefits | Underwriting | Action |
|---|---|---|---|---|
| Standard SelectPure Protection | $100,000 – $250,000 | Terminal Illness | 24–48 Hr Simplified | |
| Preferred PlusMost Popular | $250,000 – $750,000 | Chronic & Disability Waiver | Instant Accelerated E-Sign | |
| Premier LifetimeMaximum Wealth Defense | $750,000 – $2,000,000+ | All Living Benefits + AD&D | Counselor Guided |
Available Policy Riders & Living Add-Ons
3% or 5% Compound Inflation Rider
Shared Care Spousal Rider
Nonforfeiture Benefit
Instant Long Term Care (LTC) & Asset Protection Rate Check
Calculate regulated benchmark rates for your age.
Assigned Specialist
Sarah Jenkins
Senior Benefits Counselor
“Have questions on medical underwriting, pre-existing conditions, or state rate locks? I'm available for a free consultation.”