Financial Challenges of Aging - Long Term Care

Consider a Hybrid Long Term Care Insurance Policy

Hybrid long term care policies that combine LTC benefits with life insurance or annuities are increasingly growing in popularity. 

Typically funded with a one-time single premium, Hybrid Life/ LTC policies such as Lincoln and MoneyGuard Care are well worth your consideration.

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See the Cost of Long Term Care Where you Live

An important part of your planning is understanding the current cost of care where you live today, or where you might ultimately retire to.

Discover the current 2016 Cost of Care in your City or State for Home Health Aides and Homemaker Services, Assisted Living Facilities, and Skilled Nursing Facilities.

Maintain your Independence and Preserve your Assets


We are all living longer today.  Living longer, however, carries concerns for you about how you will pay for your care when you can no longer care for yourself. 

And your chances of living longer presents concerns for you as to whether your family and loved ones will be burdened by your care needs.

Government studies show you have a 70% chance of needing care at some point in your life.  And contrary to what you might believe, private health insurance and Medicare will not cover your costs.

Currently, the 2018 nationwide average cost of care for a private room in a nursing facility is $275 per day or $100,375 per year.  The average costs increase with inflation by approximately 4% per year.

Securing your future with planning will allow you to protect your retirement assets, enable you to receive your care with dignity in the setting of your choice, and most importantly will guarantee you will not burden your loved ones with caregiving responsibilities. 

Find The Right Long term Care Insurance Plan For You

Wouldn't it be nice to work with a truly independent and unbiased agent that will help you to review the rates of every company in the marketplace to allow you to instantly compare quotes on an apples-to-apples basis?

We truly are your "one-stop shop."

Hybrid/Asset Based Long Term Care Insurance
Long Term Care Insurance Top Carriers
Long Term Care Insurance Information
Cost of Long Term Care

William R Fetzer

1341 Northumberland Road

​Coatesville, PA 19320

(484) 459-9771


What Long Term Care Insurance Plan is for you?