Long-Term Care Insurance

Shield Assets from Catastrophic Care Costs

What it is

Pays for in-home care, assisted living, or nursing homes when you need help with 2+ ADLs (bathing, dressing, etc.). Modern hybrid policies combine LTC with life insurance or annuities.

Policy designs

Reimbursement or cash indemnity.

Unused LTC pool becomes death benefit.

Doubles or triples payout for care needs.

Key benefits

0–90 days (shorter = higher premium).

3–5% compound to keep pace with $120K+/yr nursing costs.

Qualified expenses paid tax-free.

Covers $15K+ international funeral transport if you pass abroad.

Crypto-specific uses

Fund care without liquidating cold storage.

One pool covers both partners; unused portion passes to heirs.

Remove policy from estate; protect against Medicaid spend-down.