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Long-Term Care Solutions

Help clients protect their future with long-term care strategies that preserve independence, assets, and legacy.

Long-term care planning is a critical, yet often overlooked, component of a sound financial strategy. A sudden health event or progressive condition can quickly deplete assets, disrupt retirement income, and place a heavy burden on family caregivers. That’s why we provide tailored long-term care solutions designed to align with your clients’ health needs, financial goals, and legacy intentions.

Our team guides financial professionals in identifying the most suitable long-term care strategies, ranging from traditional policies to hybrid solutions and rider-based alternatives, so clients can age with dignity and financial confidence.

Coverage Lines

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Traditional Stand-Alone LTC

Standalone LTC policies provide reimbursement for qualified care expenses incurred at home or in a facility. These traditional products offer customizable riders and benefits, elimination periods, and optional inflation protection.

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Linked Benefit (Hybrid) Products

Life insurance or annuity-based solutions that combine the features of life insurance or annuity with long-term care benefits, offering multiple ways to access policy values. This solution provides long-term care coverage if needed, a death benefit if not, or a return of premium option if things change. It’s ideal for clients who want flexibility, guaranteed benefits, and assurance – knowing their premium dollars will never be wasted.

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LTC and Chronic Illness Riders

These riders are available as add-ons to life insurance policies, and they offer accelerated benefits to help cover the cost of care. Riders are a flexible way to add LTC protection to an existing life insurance strategy.

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Choosing the Right LTC Strategy

Good design balances likely care needs, benefit amounts, inflation protection, and funding approach. Underwriting, contract structure (reimbursement vs. cash), and rider details vary by carrier and can meaningfully affect outcomes over time. SPG Life & Annuity brings broad carrier access, clear comparisons, and hands-on case design so you can recommend a solution that fits the plan—and performs when it counts.