Long-term care

protection

Caring expertise, every step of the way.

"Click, You Pick"

What is long-term care?

Long-term care (LTC) protection involves a variety of services designed to meet a person’s health or personal care needs when they can no longer perform those activities on their own.

Long-term care and protection

At home

Receive informal or home health care from professionals and/or family members and friends as available by product.

Community support

Receive care through adult day care services from health care professionals.

Facilities

Receive care in facilities offering assisted-living or full-time care, as needed.

Our long-term care protection options include:

Asset Care^®
Whole Life insurance with long-term care Benefits

Combining whole life insurance with long-term care benefits, Asset Care allows you to receive and pay for care or other qualified long-term care services according to your needs and preferences, in your home or in a facility. If you do not require long-term care support, the cash value of your policy remains accessible for emergencies or can be passed on as a death benefit, securing your financial legacy.

Annuity Care^®
Annuities with long-term care benefits

Our annuity-based solutions can allow you to leverage the value of your annuity to pay for qualified long-term care needs. Protection can last from a few years to your lifetime, through an optional coverage extension. When you use your annuity’s value for qualifying long-term care expenses, the benefits are tax-free, offering security and financial savings. Our Annuity Care product portfolio includes three products: Annuity Care, Annuity Care II, and Indexed Annuity Care. 

Understanding long-term care basics

Navigating the complexities of long-term care can be daunting, but it doesn’t have to be. Our comprehensive planning guide offers tools and insight to help you prepare for and make informed decisions for the journey ahead.

Want to learn more about long-term care protection

The companies of Ai Merchantry™ have appointed general agencies across the country to give you local, personalized support. Click on the icon closest to you to learn more and start the conversation. If you don’t see your state or region represented.call us at 1-844-448-2246 or email us at [email protected]

Already have long-term care protection?

Before starting any long-term care services, contact Americas insurance Merchantry to confirm that your chosen services and providers align with your policy benefits. This proactive step can streamline your claims process and help ensure you receive the care benefits you’re entitled to.

Contact Americas insurance Merchantry today at 844-448-2246 to get started!

Frequently Asked Question

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