Long-Term Care

Plan for Care Before You Need It

Long-term care is the cost most people don't plan for — and it can drain savings fast. Let's protect against it.

LTCHybrid Life + LTCAsset ProtectionLegacy

Is this right for you?

  • You're 50–70 and planning for retirement
  • You want to protect your savings from care costs
  • You don't want care to fall on your family
  • You'd like an option that pays out either way
The Details

What you get

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Care at Home or Facility

Coverage that helps pay for care wherever you need it — home, assisted living, or nursing care.

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Protect Your Savings

Keep a health event from wiping out the nest egg you worked for.

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Hybrid Options

Life insurance with an LTC rider — if you never need care, your family still gets the benefit.

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Protect Your Family

So caring for you doesn't fall financially or physically on your kids.

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Plan Early, Pay Less

The younger and healthier you are, the more affordable it is.

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Honest Guidance

We'll tell you straight whether LTC, a hybrid, or self-funding makes sense for you.

Why Lyons Life

Independent means it's built around you

We shop 30+ carriers to match you with the right plan option for your situation and budget — no pressure, no obligation.

Questions

Good to know

Isn't this covered by Medicare?+

Medicare covers very little long-term care. Most care costs come out of pocket unless you plan for it.

What if I never need care?+

Hybrid life + LTC plans solve that — if you never use the care benefit, your family still receives the death benefit.

When should I look at this?+

Ideally in your 50s or early 60s, while it's most affordable and you're insurable.

Get Started

Let's build your plan.

Tell us a little about you and a licensed Florida agent will reach out with real options — no cost, no obligation.

Get My Free Protection Plan →