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Question

Is long-term care insurance worth it if I have significant assets?

Answer

For families with established wealth, long-term care insurance is less about affordability and more about protecting a financial plan built for two. A multiyear care event for one partner can reshape retirement income, investment strategy, and legacy plans. Insurance — particularly a hybrid policy — can transfer that risk while preserving assets for the surviving partner and heirs.

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Should I buy long-term care insurance or self-fund?

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Insurance Solutions Retirement Asset Protection Retirement Planning Health & Wellness Long-Term Care Living in Retirement Healthcare & Medicare Protecting Your Legacy FAQs
Last Updated Sept. 29, 2026
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