Case Study 01
Female, Age 84 · North Carolina
Diagnosed with Vascular Dementia
Need: $55,000 / yr care gap
Standard SPIA
$380,000
Immediate Care Plan
$225,000
$155,000preserved for the family
The Asset Care Plan
Bridge the
Care Funding Gap
Someone You Love Needs Care. How Are You Going to Pay for It?
A smarter way to turn assets into guaranteed lifetime income for care—based on your loved one’s health and actual care needs.
Trusted guidance for over 500 families
≤ 30 days
Payments beginFor Life
Guaranteed incomeA- AM Best
Insurance RatingThe Problem
How Are You Going to Pay for Care?
The emotional and financial reality every family faces when a loved one needs long-term care.
The gap has to come from somewhere—usually savings, investments, or other family assets.
- Someone you love needs long-term care.
- The cost can be $6,000–$12,000+ per month.
- How do you pay for it without unnecessarily draining the family's assets?
- Care shouldn't jeopardize the other spouse's retirement.
The Care Funding Gap
Cost of Care − Income = The Care Gap
If care costs $8,000/month and monthly income is $3,500, the gap is $4,500/month — roughly $54,000 a year. $300,000 in savings can be gone in just 5½ years.
85%
of long-term care recipients cannot afford care costs from income or insurance alone.
Source: National Council on Aging
The Care Cost Gap is real.
Nursing homes and assisted living facilities can cost anywhere from $6,000 to $12,000+ per month. Most families simply don't have the ongoing cash flow to sustain these expenses indefinitely without draining everything they've worked for.
This creates a terrifying gap between what care costs and what you can afford. Without a plan, you risk losing the house, depleting savings intended for a healthy spouse, and scrambling when funds finally run dry.
- Draining life savings meant for a surviving spouse
- Forced to sell the family home under financial pressure
- Missing out on state benefits because of avoidable mistakes
- Trying to find money as care needs and costs continue to rise
$6k+
Average monthly shortfall
Many families burn through their life savings in just a couple of years trying to keep up with escalating care demands.
Result without a plan
100% of assets exposed to facility costs
Result with our review
Financial protection of home & savings
Could This Be Right for Your Family?
A Care Plan for Your Family.
When someone you love needs long-term care, the financial decisions can be overwhelming. An Immediate Care Plan can help create guaranteed income to cover care expenses while potentially preserving more of your family’s assets for other needs.
Memory Care
Specialized dementia & Alzheimer's care
Nursing Care
Skilled nursing & medical support
Assisted Living
Help with daily activities
At Home Paid Care
Private in-home caregivers
Other Professional Care
Adult day care, hospice & more
NOT for Medicaid Patients
This plan is designed for private-pay care situations
If this sounds like your situation, there may be another way to fund the cost of care.
The Solution
A smarter way to fund
the cost of care.
The Asset Care Plan converts a single, lump-sum premium into guaranteed monthly income for life — designed specifically to close the gap between care costs and existing income.
Built on a Single Premium Immediate Annuity chassis, but with one decisive advantage: full medical underwriting that prices the contract on the individual, not population averages.
- Payments beginWithin one month of issue
- Income durationGuaranteed for life of the annuitant
- Pricing basisMedical reality — not averages
Mom or Dad gets the care they need
Ensure there is no disruption in the quality or consistency of care provided.
Every dollar has a purpose
Every dollar is purposefully allocated to bridge the care gap and protect assets financially.
Your family has a solid plan
Eliminate the guesswork and infighting with a structured roadmap for the future.
Peace of mind
Gain peace of mind knowing the financial side of care is fully managed.
What Could This Look Like for Your Family?
Real cases. Real legacy preserved.
Case Study 02
Male, Age 85 · Illinois
Dementia, failing 6 of 8 ADLs
Need: $76,800 / yr care gap
Standard SPIA
$482,000
Immediate Care Plan
$231,000
$251,000preserved for the family
Based on real-life cases. Results vary by individual underwriting.
How it works
Our proven 5-step process.
Paying for care can feel overwhelming. We make the process simple, helping you understand your options and find a clear path forward for your family.
- 0101
Simple conversation
We begin with a confidential, judgment-free phone call. You tell us about your family's care situation, the costs you're facing, and what worries you most.
- 0202
Calculate the care gap
Using current facility rates and care costs, we project how long the current funds will last. That gives us a concrete timeline to work against — and a gap to close.
- 0303
Review health and assets
We conduct a high-level review of income, assets, and health trajectory. Health matters here: medical underwriting can meaningfully increase the income available.
- 0404
See if the plan makes sense
We present a clear strategy — how much can be protected, how care will be paid for, and exactly what your options look like side by side.
- 0505
You decide what's next
No pressure. Just a clear review of the numbers and your options. You stay in complete control of how your family moves forward.
No pressure. Just clarity.
You deserve to know the facts before making any major financial decisions. Get your numbers reviewed today.
Get Your Review StartedAfter successful caregiver interview
Plan specifications
Customizable. Guaranteed.
Optional riders include an Enhanced Death Benefit (period certain 1–5 years) and a Cost of Living Adjustment to keep pace with rising care costs.
- Issue Age
- 70 – 95
- Single Premium
- $50,000 – $1,000,000
- Payment Frequency
- Monthly, for life
- Funding Sources
- Savings, 1035 Exchange, IRA, 401(k)
- Early Death Benefit
- Tapered protection in first 6 months
- Optional COLA
- 1% – 8% annual increase
Contact Information
- Phone
- (949) 306-0353
- Office Hours
- Monday - Friday9:00 AM - 5:00 PM PST
- Headquarters
- 4045 S Buffalo Dr, Suite A101-131Las Vegas, NV 89147
A Note on Confidentiality
We understand that discussing family health and finances is deeply personal. Your inquiry and all subsequent conversations are protected by strict privacy policies.