Long-Term Care Annuity

Combine lifetime income with care protection benefits. A smart way to prepare for retirement and potential care needs.

Get My Free Quote

Understanding Long-Term Care Annuities

Watch this video to learn how LTC annuities combine lifetime income with care protection for a 'win-win' retirement solution.

Understanding Long-Term Care Annuity: All There Is To Know

How It Combines Lifetime Income and Care Protection

This 'win-win' solution ensures your money works for you whether you need care or not, eliminating the 'use it or lose it' concern of traditional LTC insurance.

Guaranteed Lifetime Income

Receive predictable income payments for life with tax-deferred growth potential and protection from market volatility.

2-3x Care Benefit Multiplier

If you need long-term care, your benefits are multiplied 2-3x your account value, covering home care, assisted living, and nursing homes.

Tax-Free LTC Benefits

Long-term care benefits are generally received tax-free, and your account grows tax-deferred -- maximizing the value of every dollar.

Death Benefit for Heirs

If you never need care, remaining value passes to your beneficiaries. Your investment is never lost -- it always works for you or your family.

Who Should Consider a Long-Term Care Annuity?

Pre-Retirees (55-70)

Those approaching retirement who want both guaranteed income and LTC protection without the 'use it or lose it' concern.

CD & Savings Holders

Those with money sitting in low-interest CDs or savings accounts who want better returns plus care protection.

Risk-Averse Planners

Conservative investors who want guaranteed growth without market exposure and worry about future care costs.

Legacy Planners

Those who want to leave money to heirs if care isn't needed, rather than losing premiums to traditional LTC insurance.

Single Premium Buyers

Those with a lump sum (inheritance, 401k rollover, home sale) looking for a smart way to protect and grow it.

Couples Planning Together

Spouses who want to ensure that if one partner needs care, the other's financial security and retirement income remain intact.

Retirement Readiness Calculator
Could Long-Term Care Wipe Out Your Retirement?
See how your retirement savings hold up -- and what happens when long-term care costs enter the picture. The results may surprise you.
Free & ConfidentialInstant ResultsIncludes LTC Impact Analysis

Current Situation

Savings & Contributions

Retirement Income Goals

Planning Assumptions

Personalized Quote

Get Your Free Long-Term Care Annuity Quote

Answer a few simple questions and our licensed advisors will prepare a custom quote from top-rated carriers -- tailored to your needs, your budget, and your family.

Takes 3-5 minutesNo obligationExpert guidance includedCompare top carriers
Get My Free Quote

100% free and confidential. We'll prepare personalized options for you.

What Our Clients Say

Based on real client experiences, dramatized for privacy.

"I had $150K sitting in CDs earning almost nothing. Landau moved it into an LTC annuity that gives me guaranteed growth PLUS a 3x care benefit multiplier. It's the best of both worlds."

Howard B.

Rolled over CDs into an LTC annuity

"My biggest concern was losing premiums if I never needed care. With the LTC annuity, my money goes to my kids if I stay healthy. Landau found exactly the right solution for me."

Margaret S.

LTC annuity policyholder since 2020

"After my wife passed, I used part of her life insurance to fund an LTC annuity for myself. Landau walked me through every option and helped me plan for the next chapter."

George K.

Single premium LTC annuity buyer

"We were worried about outliving our savings and needing care. The LTC annuity gives us guaranteed income for life and care coverage if we need it. Landau made it simple to understand."

Carol & Ed W.

Couple planning for retirement and care

How a Long-Term Care Annuity Works

1

Fund Your Annuity

Make a single premium payment or series of payments. Many people fund LTC annuities with existing CDs, savings, 401(k) rollovers, or inheritance funds. We'll help you determine the right funding amount.

2

Your Money Grows Tax-Deferred

Your account earns guaranteed interest with no market risk. Growth compounds tax-deferred, building a larger pool of funds for income or care.

3

Receive Income or Trigger Care Benefits

If you don't need care, receive guaranteed lifetime income payments. If you do need care, your benefits are multiplied 2-3x, providing substantial coverage for home care, assisted living, or nursing facilities.

4

Legacy Protection

Any remaining account value passes to your named beneficiaries as a death benefit. Your investment is never wasted -- it always provides value to you or your loved ones.

Frequently Asked Questions

Explore More on Long-Term Care Annuities

Deepen your understanding with our expert-led podcast episodes and educational video library.

Podcast

Insurance Insights

Listen to expert discussions on hybrid LTC annuities, retirement income strategies, and protecting your assets.

Browse Episodes

Video Library

Watch & Learn

Watch educational videos on LTC annuities, hybrid products, retirement planning, and expert advice from our advisors.

Watch Videos
Free Buyer's Guide

Get Your Free LTC Annuity Buyer's Guide

Discover how LTC annuities work, compare them to traditional options, and learn if this hybrid solution is right for your retirement plan.

Step-by-step action planExpert planning tipsInstant download

100% free. No credit card required.

Complete Your Protection

Consider combining your LTC Annuity with additional life insurance coverage for comprehensive protection.

Long-Term Care Insurance

Protect your assets and ensure quality care when you need it most with comprehensive LTC coverage.

Learn More

Whole Life Insurance

Lifelong protection with cash value accumulation for wealth building and estate planning.

Learn More

Term Life Insurance

Affordable, straightforward coverage for your family's financial security during key years.

Learn More