Long-Term Care Planning Examples (Hypothetical)

See how different Texas families might compare long-term care options.

Hypothetical example for illustration only. Not an actual client. Your results will depend on your age, health, the product, and its terms.

1 Estate Planning

Retired couple in their late 60s

Challenge: Concerned that long-term care costs could reduce what they leave their children.
Approach: Compare a hybrid LTC annuity with a benefit pool larger than the premium against traditional LTC and self-funding.
Possible outcome: A defined pool for qualified care, with remaining value to heirs per contract.

Hypothetical example for illustration only. Not an actual client. Your results will depend on your age, health, the product, and its terms.

Unmarried business owner, late 50s

Challenge: Wants a plan for possible care costs without a spouse to help.
Approach: Compare combining two hybrid products from different carriers for flexibility.
Possible outcome: Flexible benefit options and a clear budget for care.

Hypothetical example for illustration only. Not an actual client. Your results will depend on your age, health, the product, and its terms.

Married couple in their 70s with modest savings

Challenge: Worried about Texas Medicaid spend-down if one spouse needs nursing home care.
Approach: Learn the Texas spousal rules and look-back period, coordinate with an elder law attorney, and compare whether any insurance still fits.
Possible outcome: A clearer understanding of options before care is needed.

Every family's situation is unique. Let's review your needs and compare options.