Long-Term Care (LTC) is the assistance or supervision needed when one is unable to do some of the basic activities of daily living.  Care can be administered at home, in an assisted living facility, adult day care, or nursing home

LTC insurance will help provide this care for you when it’s needed, due to an accident, illness, or old age.  It gives support to the loved ones around you by creating a plan so your family can focus on caring about you, not for you.  Paying premiums into a LTC policy limits your risk against devastating medical costs and protects your assets.

As with most insurance, the younger and healthier you are, the more affordable it is.  Our process includes an involved conversation about your aging concerns and your health circumstances, to best determine your options and what they will mean to you, your family, and your estate.

Our LTC Agents

Renee Caldwell

Licensed Insurance Specialist
Bellingham, WA

Our Carriers

  • Genworth
  • Guaranteed Trust Life
  • Life Secure
  • Lincoln Money Guard
  • Mass Mutual
  • Med America
  • Med America Transitions
  • Mutual of Omaha
  • Nationwide
  • One America
  • United Security Assurance

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