Help start the long-term care (LTC) conversation

Sell more and provide greater value for your clients by working with Eisenberg Insurance for life, long term care and disability insurance.


Help start the long-term care (LTC) conversation by using these important questions with your clients to shed light on the consequences of ignoring the risks of LTC.

1. “You may never need care,but what if you did?”

How would that affect your family?

  • Spouses — Caring for a chronically ill loved one can make the caregiver chronically ill as well.*
  • Children — Other loved ones, such as children, often carry the burden,too. Daughters are most likely to give up their careers and move in or relocate the parent to her home** — as any child would feel obligated to do.
  • Family dynamics — Informal care usually is not shared equally among adult children. One sibling may bear a larger burden, which can harm relationships.
  • Unnecessary losses — A number of spiritual, emotional, financial and relational losses can be prevented when your clients are prepared for and protected from LTC risks.

2. “If you do need care, how will you pay for it?”

Three common ways to pay for LTC expenses:

  • Government programs — This may require them to spend their assets first.
  • Long-term care insurance (LTCi) — In many cases traditional LTCi can be very expensive, hard to qualify for and, to many, viewed as a “use it or lose it” policy.
  • Self funding — Few people are able to pay out-of-pocket, dollar-for-dollar, for all LTC expenses. Doing so can wipe out the savings they’ve worked their entire lives to build.

The Care Solutions suite of products uses life insurance and annuities in tax-advantaged ways to fund LTC. Asset-based LTC is designed so that unused benefits can pass to beneficiaries, or clients can get their money back if they change their mind.

* Doty, P. (2010) The Evolving Balance of Formal and Informal, Institutional and non-Institutional Long-Term Care for Older Americans: a Thirty- Year Perspective. Public Policy & Aging Report 20, no.1
** Center on Aging Society. (2005). How Do Family Caregivers Fare? A Closer Look at Their Experiences. (Data Profile, Number 3). Washington, DC: Georgetown University.
Notes: Products issued and underwritten by The State Life Insurance Company® (State Life), Indianapolis, IN, a OneAmerica company that offers the Care Solutions product suite. Products and riders may not be available in all states and may vary by state. All guarantees are subject to the claims-paying ability of State Life. Provided content is for overview and informational purposes only and is not intended as tax, legal, fiduciary, or investment advice.