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CGCommon Ground Insurance and Consulting

Annuities & Long-Term Care in Texas

Compare hybrid annuities and long-term care options built for Texans. Clear guidance, easy quotes, and help choosing the right plan for your situation. Virtual or in-home appointments anywhere in Texas.

How We Help Texans

Hybrid Annuities

Tax-deferred growth with optional long-term care benefits.

Long-Term Care (LTC)

Modern LTC options that combine coverage with flexibility.

Medicaid Spend-Down Education

Understand Texas Medicaid rules for long-term care before you need care.

Final Expense

Affordable coverage for end-of-life costs with an easy needs calculator.

Medicare & LTC (education)

What Medicare does and doesn't cover for long-term care. We don't sell Medicare plans.

Local Help in Top Texas Cities

Dallas

Explore annuity and long-term care choices in Dallas with guidance tailored to local needs.

Houston

Explore annuity and long-term care choices in Houston with guidance tailored to local needs.

Austin

Explore annuity and long-term care choices in Austin with guidance tailored to local needs.

San Antonio

Explore annuity and long-term care choices in San Antonio with guidance tailored to local needs.

Fort Worth

Explore annuity and long-term care choices in Fort Worth with guidance tailored to local needs.

Texas FAQs

Are annuities taxed in Texas?

Earnings grow tax-deferred. Federal taxes may apply when you withdraw. Texas has no state income tax.

Does Texas Medicaid cover long-term care?

Yes, but there are strict eligibility rules and asset limits. We explain the rules so you can plan ahead. Not affiliated with Medicaid or any government agency.

What is a hybrid LTC annuity?

An annuity that can provide tax-deferred growth and a pool of funds for qualified care costs. Benefits vary by product and carrier.

Ready to Compare Texas Options?

Get simple guidance and see which plan fits your goals and budget.