Long Term Care is designed to help cover the astronomical costs associated with a Nursing facility, Assisted Living facility or In- Home Nursing Care. But did you know that there are different types of Long Term Care solutions and different methods of paying for this type of insurance? It may be more affordable than you think.

Long Term Care

You’ve worked hard your entire life. You have saved for retirement, and now you are ready for the next chapter in your life. Aside from inflation and rising medical costs a major threat to your financial well being is a health event that requires you to have some form of Long Term Care. Without a strategy in place everything you have worked so hard for is now at risk. An injury, an illness, Alzheimer’s, Dementia … can strike at any time. How can you prepare for this type of risk?

Annuity Based

Reposition an annuity through a 1035 exchange/transfer and use the funds for a Long Term care solution.

Asset Based

Reposition a CD, IRA or another asset to fund a Long Term Care solution

Have a permanent life insurance policy as the funding vehicle for LTC. If you die before filing a claim the death benefit will pass to your

Long Term Care can be used for In-home nursing care, Assisted Living, or an LTC facility. You can choose the Elimination period and the duration of the benefit. Having a Long Term Care strategy in place will prevent your children from having the burden of caring for an aging parent while caring for their own obligations.

Bottom line … Our LTC partners offer robust and innovative solutions to meet the needs and budget of our clients. LTC can be an integral part of a retirement portfolio to hedge against this type of risk.

For questions or more details please schedule a consultation.



CA LIC# 0K13710

At Praetorian Financial and Insurance Services INC, we believe that insurance is an integral and necessary commodity that should not be undervalued or ignored. Planning ahead for risk, loss, or catastrophe is the reasonable and financially responsible action one can take to adequately protect what they care about most.

Life is uncertain, unpredictable and out of our/your control. But what we/you can control to a degree is the financial impact experienced during a time of loss. When a life altering event strikes suddenly and without warning, you can have a measure of comfort and peace of mind. Call PFIS today or schedule your free consultation and protect what matters most.

Office Location


Praetorian Financial & Insurance Services Inc.
369 Main St #207
Salinas, CA 93901