Licensed in all 50 states. Authorized with carriers that issue standalone long-term care annuities. Specialists in current and legacy long-term care annuity contracts.
This page is for people who are actively planning for long-term care costs and want clear answers before committing to a contract that affects healthcare access and asset protection.
Most visitors are here for one of three reasons:
- You’re considering a long-term care annuity and want a second opinion before applying
- You were declined or postponed for traditional long-term care insurance, and need an alternative that still involves underwriting
- You already own a long-term care annuity and need help understanding benefits, triggers, or care qualification rules
Important clarification upfront: These are standalone long-term care annuities—not annuities with long-term care riders.
You Must Work With a Licensed Annuity Agent
Long-term care annuities are insurance contracts regulated by state insurance law and carrier-specific care provisions.
To apply, explain, or review one properly, you must work with a licensed annuity agent authorized by the issuing carrier.
The Annuity Expert is licensed in all 50 states and appointed with carriers that issue long-term care annuities.
That authorization is required to review contracts and explain how care benefits are triggered and paid.
Call us now at 770-755-1565 or request a free quote below
We Specialize in Standalone Long-Term Care Annuities
Standalone long-term care annuities are fundamentally different from annuities that merely add a long-term care rider.
Key differences that matter:
- Long-term care annuities are designed primarily for care, not income
- Benefits are tied directly to qualified care events
- Contracts are typically funded with a lump sum
- Care benefits often exceed the original premium if care is needed
We do not treat these as income annuities with add-ons. They are a distinct category with different rules, risks, and benefits.
If your primary goal is maximizing retirement income rather than specifically covering healthcare costs, a standard hybrid annuity may offer higher growth potential while still providing principal protection.
Medical Underwriting Matters—We Help With That
Unlike some annuities, long-term care annuities involve medical underwriting.
We help clients who:
- Are unsure whether health conditions will affect approval
- Were declined for traditional long-term care insurance
- Need help navigating underwriting requirements and records
- Want to understand what conditions matter—and which don’t
We assist with:
- Pre-screening before application
- Positioning medical history accurately
- Avoiding unnecessary denials caused by missteps
Underwriting outcomes can often be influenced by how the application is handled.
Why Issue Year and Contract Design Matter
With long-term care annuities, contract design determines real-world usability.
- Care triggers vary by contract and issue year
- Definitions of qualified care differ
- Some contracts pay benefits differently depending on the care setting
- Legacy policies may follow older care standards
Two long-term care annuities can produce very different results when care is actually needed.
Buying a Long-Term Care Annuity
If you’re considering this type of annuity, we help ensure:
- You understand how and when care benefits activate
- Medical underwriting expectations are clear
- The contract aligns with realistic care scenarios
- No assumptions are made about benefit access
Once issued, these contracts are difficult to alter.
Reviewing an Existing Long-Term Care Annuity
If you already own a long-term care annuity, we can help by:
- Explaining exactly how care benefits are triggered
- Confirming the issue year and applicable care definitions
- Clarifying what qualifies as covered care
- Identifying limitations that may not have been discussed
Most confusion arises when care is expected, but the contract defines it differently.
Speak With a Licensed Annuity Broker Before You Decide
If you’re buying, reviewing, or applying for a standalone long-term care annuity, clarity before commitment matters—especially when underwriting is involved.
Contact The Annuity Expert to speak with a licensed annuity broker and get clear answers before making a final decision.
No pressure. No sales pitch. Just accurate, authorized guidance for serious care planning decisions.
Give us a call at 770-755-1565 or schedule a free consultation below