Long Term Care Strategy

A Fixed Index Annuity (FIA) with a Long-Term Care (LTC) Rider provides financial security by combining guaranteed retirement income with added protection for potential long-term care expenses. This powerful solution helps safeguard your savings while ensuring you have access to funds if you need extended care in the future.

• Growth Potential with Protection – Your annuity earns interest based on a market index’s performance while ensuring your principal is protected from market downturns.
• Guaranteed Lifetime Income – Enjoy a steady stream of income throughout retirement, helping you maintain financial independence.
• Long-Term Care Benefits – Anybody can qualify for an LTC rider, giving you enhanced access to your annuity funds for in-home care, assisted living, or nursing facilities if needed. Unlike traditional LTC insurance, if you don’t need it, you won’t lose it—your annuity value remains intact for other uses.
• Tax Advantages – Potential tax deferral benefits allow your money to grow more efficiently.
• Peace of Mind – Protect yourself and your loved ones from the high costs of long-term care without relying solely on personal savings.

A Fixed Index Annuity with an LTC Rider offers a smart way to plan for retirement and unforeseen healthcare needs. Contact us today to explore how this strategy can fit into your financial future!