Welcome!

Thank you for visiting our website. Our goal is to help you better understand Long-Term Care and Long-Term Care Insurance and how Long-Term Care Insurance can help you protect your hard-earned assets.

We have organized pertinent information and interactive tools that will help you understand not only Long-Term Care but also the potential financial ramifications of a Long-Term Care need. We invite you to take your time and explore this information at your leisure, and if you have any questions, please feel free to contact us.

Let's Get Started!

A Note from
Carolyn Shelby

Congratulations! By linking into this website, you are taking a major step forward into preservering your lifestyle, assets and peace of mind. For most of us, a potential long term care need is the greatest risk our retirement nest egg will ever face.

By taking a few minutes now to educate yourself with the following calculators and educational pages, you are also giving a great gift to the loved ones in your life; the ones who'll stick by you if someday, you become old or frail. Sadly, it is frequently the caregivers who pay the highest price, financially, emotionally and physically.

Our philosophy is that long term care insurance is a wonderful choice. However, it isn't for everyone. Some people can't afford it. Others can't qualify. Others don't want to buy a policy they may never use. Fortunately, there are now powerful alternatives available, including new hybrid forms of life insurance and annuities with LTCi riders. Our goal is to inform you about all your options so you can feel confident making the decision most appropriate for your needs and budget.