Long-term Care Insurance
Long-Term Care Insurance: Protect Your Future with Sprouse Insurance/OneDigital
Long-term care insurance provides crucial protection for the future, especially for those between the ages of 45 and 65. As healthcare costs continue to rise, having the right coverage in place can ensure you’re not left facing unexpected expenses as you age. Whether you need in-home care or long-term care at a facility, long-term care insurance helps safeguard your financial future.
What is Long-Term Care Insurance?
Long-term care insurance covers expenses related to services and care that aren’t covered by regular health insurance, including care at home or in long-term care facilities. Eligibility and premium rates are typically determined by factors like your age, weight, height, medical history, tobacco use, and family history. Many policies also offer inflation guards to protect against rising healthcare costs over time.
Types of Long-Term Care Insurance Coverage
There are several options to tailor your long-term care coverage to your needs:
- Stand-Alone Long-Term Care Insurance
A dedicated policy that specifically covers long-term care expenses, offering a clear, straightforward solution. - Annuity with Long-Term Care Benefit
This combines the benefits of an annuity and long-term care coverage, offering a guaranteed income stream while providing coverage for future long-term care needs. - Life Insurance with Long-Term Care Rider
A life insurance policy that includes a long-term care rider, giving you a dual benefit of life insurance and the ability to use the policy for long-term care expenses if needed.
Why Choose Sprouse Insurance/OneDigital?
You may be tempted to choose the cheapest insurance you can find, but it’s important to understand that insurance providers vary significantly in how they structure coverage. While many policies may look similar in price, they differ in the level of protection and benefits they offer.
At Sprouse Insurance/OneDigital, we focus on delivering the right solution for your needs—one that offers comprehensive protection without compromising on quality. We take the time to understand your concerns and help you find the best policy for your future. Because, unfortunately, there’s no one-size-fits-all solution when it comes to insurance.
The Sprouse Insurance/OneDigital Difference
We’re not just your insurance provider; we’re your neighbors. We care about protecting those we know and work with in Northwest Ohio, and that’s why we’re committed to providing reliable, affordable, and responsive insurance solutions.
Our agents will help you navigate the options available, ensuring you have the protection you need to safeguard your future.
Long-Term Care Companies We Represent
At Sprouse Insurance/OneDigital, we partner with some of the most trusted companies in the industry, offering reliable coverage that meets your needs:
- Auto Owners Life
- Grange Life (rider)
- Lincoln Life (rider)
Get in touch today with Sprouse Insurance/OneDigital and let us help you secure long-term care insurance that fits your needs. Protect your future and ensure you have peace of mind for the years ahead.