Most of us plan for the happy milestones — retirement, vacations, grandbabies.
But what happens if life takes an unexpected turn?

An illness.
A fall.
A diagnosis that changes everything.

Suddenly, you’re facing nursing home bills over $10,000 per month.
And here’s what many don’t realize until it’s too late:

• Medicare won’t cover it.
• Health insurance won’t either.
• And Medicaid? Only after you’ve spent down almost everything you’ve worked for.

At L’evated Financial, we help you prepare with peace of mind, not panic.
Because planning ahead isn’t about fear — it’s about love.

Long-term care includes support for daily needs like bathing, dressing, eating, and mobility — whether in a nursing home, assisted living, or at home with a caregiver.

These services are often not covered by traditional insurance, and can drain your savings quickly if you’re not prepared.

There are flexible, affordable ways to plan ahead — even if you think it’s "too late."

We offer a range of Long-Term Care solutions, including:

• Life Insurance with Long-Term Care Riders
  Access your death benefit early to help pay for care — without sacrificing your legacy.
• Hybrid Life + LTC Plans
  Use it if you need care. Pass it on if you don’t. No wasted premiums.
• Fixed Indexed Annuities with LTC Benefits
  Turn your savings into guaranteed income that can stretch to help with care costs.

National average cost of a private room in a nursing home in 2025 is $10,965/month.

Average stay is approximately 14 months resulting in an estimated out-of-pocket cost of over $150,000. Let’s make sure that doesn’t become your family’s emergency.

If you’re age 45 or older, have aging parents, or simply want to protect your retirement and legacy, this conversation is for you.

You don’t need to figure it out alone.
We’ll walk you through it — gently, honestly, and with options that make sense.

We’ll explore your goals, your budget, and which LTC options fit your life best.

Book a no-pressure consultation or call us at 855-954-LOVE (5683).