Long-Term Care Planning Expert

Protect what you've
spent a lifetime
building.

Long-term care can cost $10,000 or more per month. The right plan today ensures your assets — and your family — are protected when it matters most.

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70%
of people over 65 will need some form of long-term care in their lifetime.
$10K/mo
Average monthly cost of nursing home care — without a plan in place.
Any age,
any time
The need for long-term care can arise unexpectedly — not just in retirement.

WHY IT MATTERS

You can't predict when care will be needed. You can prepare.

Most people delay planning because they don't believe they'll need it. But the uncertainty itself is the reason for insurance.

01
Shield your estate

Without a plan, 90% of estates are depleted by care costs, taxes, and transfers — leaving little for children, grandchildren, or charity.

02
Preserve your lifestyle

A $10,000/month care expense can devastate retirement savings in a matter of years. Coverage means you stay in control of how you live.

03
Act while you can

Premiums are based on age, health and benefits. The earlier you plan, the more coverage you can secure — and the more affordable it is.

COVERAGE OPTIONS

The right policy for your situation

I work with all major companies and tailor coverage based on your age, health, and financial goals. Including options funded with IRA or 401(k). Health and age determine which plans are available.

Most Popular
LTC Insurance/Partnership

* Dedicated long-term care policies from top-rated companies. Choose benefits to match cost of care with your budget and risk tolerance. Available to age 79.

* Most states have a no-cost "Partnership for Long-Term Care" program. It protects assets from Medicaid spend-down and an exemption from Medicaid estate-recovery.

Hybrid Life / LTC Policies

* Combines a life insurance with a long-term care. If you don't use the policy for care a beneficiary receives the death benefit. No wasted premium. Available to age 80.

* Can be funded with cash or if over 59 1/2 you can use qualified funds (IRA/401k). Does not qualify for State Partnership.

* Retiring overseas? You may qualify for international coverage with a hybrid Life/LTC policy.

Hybrid Annuity / LTC Policies

* Combines an annuity with a long-term care. If you don't use the policy for care, your beneficiaries receive the annuity. Available to age 85.

* Useful if you have an existing annuity that has matured. No wasted premium.

* Some plans will double or triple your premium in long term care dollars. Does not qualify for State Partnership.

About Mr. McDonnell

An independent expert in your corner

With deep experience in long-term care planning, I help individuals and families design policies that are appropriate for their specific situation — not a one-size-fits-all product.

Partnering with major companies




Michael McDonnell

Independent & unbiased

As an independent insurance broker for over 20 years, I'm not tied to any single insurance company or plan. I do the research to find you the most appropriate and affordable coverage — then present quotes side by side so you can make a fully informed decision.

NO COST - NO OBLIGATION

Request your personalized quote

I'll review your information and at our meeting I will present options from the top insurance companies — tailored to your age, health, and financial goals.

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