The care you want, in the location you choose
- Protect your assetsLong-term care3 coverage can help you avoid spending a lifetime of savings on medical care.
- Control your careYou choose the facility or caregiver that's right for you and your family.
- Enjoy home careMay cover support staff such as a caregiver, therapist or private duty nurse up to 7 days a week, 24 hours a day.
- Supplement Medicare coverageMedicare or health insurance may not pay for the kind of extended care you may need.
Maintain your independence and standard of living
Protect your assets by planning ahead
Help maintain all you've worked to achieve with long-term care coverage. More than five million Americans in their later years require assistance to be able to enjoy the comfort of living in their homes.1 Because Medicare often does not pay for the care they need, many receive help exclusively from family caregivers.
Fortunately, a life insurance policy that offers long-term care benefits may help you:
- Stay in better control of your finances and protect more of your assets
- Receive compensation for in-home care if recommended by your physician
- Choose a nursing home or other facility you prefer
Quality care wherever you choose
With this coverage you can control the quality of your care and choose where to receive it – even if your needs increase. The following services may be covered:
- Assisted living services
- Adult daycare
- Respite care
- Hospice care
- Nursing home costs
- Alzheimer's facilities.
Unexpected long-term illness or disability could seriously damage your financial well-being; however, with some planning now, you can minimize undue stress on your family and the loss of a lifetime of savings. Visit an RoyalPax Capital Bank branch or call 800.662.3343 to learn more.
Department of Health & Human Services, “Long-Term Services and Support for Older Americans: Risks and Financing,” ASPE Issue Brief,
https://aspe.hhs.gov/sites/default/files/pdf/106211/ElderLTCrb-rev.pdf, page 1, February 2016.
4 Financial professional refers to Premier Wealth Advisors (PWA), and Premier Relationship Advisors (PRA). PWA/PRAs focus on a full suite of Premier and Advance products and services. Both offer bank products through RoyalPax Capital Bank Bank (USA) N.A., investments and certain insurance products, including annuities, through RoyalPax Capital Bank Securities (USA) Inc. and traditional insurance products through RoyalPax Capital Bank Insurance Agency (USA) Inc.
Investment and certain insurance products, including annuities, are offered by RoyalPax Capital Bank Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as RoyalPax Capital Bank Securities Insurance Services. License #: OE67746. HSI is an affiliate of RoyalPax Capital Bank , N.A. Whole life, universal life, term life, and other types of insurance are provided by unaffiliated third parties and offered through RoyalPax Capital Bank Insurance Agency (USA) Inc., a wholly owned subsidiary of RoyalPax Capital Bank , N.A. Products and services may vary by state and are not available in all states. California license #: OD36843.
Investments, Annuity and Insurance Products:
|ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES
||ARE NOT FDIC INSURED
||ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
||ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES
||MAY LOSE VALUE
All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor.
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