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Long-Term Care Costs by Setting: Assisted Living, Nursing Homes, and Home Care

September 25, 2026April 15, 2021 by Tim Fuller

Adult daughter and her aging mother sharing a warm moment while discussing long-term care planning

No one can predict whether they’ll need long-term care, but the cost of it is predictable enough to plan for. Here’s what care costs today and what clients often get wrong about who pays.

Key takeaways

In 2025, national median costs were $74,400 a year for assisted living and about $129,600 a year for a private nursing home room.
In-home care ran $35 an hour at the median, about $80,000 a year at 44 hours a week.
Medicare doesn’t pay for most long-term care, and relying on Medicaid means spending down assets and limited choice.

Assisted living: $74,400 a year. Private nursing room: about $129,600. In-home care: about $80,000 a year at 44 hours a week. (2025 national medians)

What care costs in 2025

Nursing home, private room: $10,798 a month (about $129,600 a year)
Assisted living: $6,200 a month ($74,400 a year)
In-home care: $35 an hour (about $80,080 a year at 44 hours a week)

Source: CareScout 2025 Cost of Care Survey, national medians. Costs vary widely by state and city, so check local figures. Trends over time are in our cost of care summary.

The Medicare misconception

Many clients assume Medicare will cover long-term care. It covers only limited skilled care, not ongoing help with daily living. Medicaid does pay for long-term care, but only after most assets are spent down, and provider choices can be more limited.

Where insurance fits

Long-term care insurance, including hybrid products, pays for assisted living, home care, and nursing home care so clients can get the care they want without draining savings or burdening family. Our LTC team can quote options based on your client’s location and budget.

Frequently asked questions

How much does assisted living cost per month in 2025?

The national median was $6,200 a month ($74,400 a year), according to CareScout’s 2025 Cost of Care Survey.

How much does a nursing home cost per year?

A private room had a 2025 national median of $10,798 a month, or about $129,600 a year.

Does Medicare pay for assisted living?

No. Medicare doesn’t cover assisted living or most long-term custodial care.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

Tim leads SRS Inc., a full-service IMO (Independent Marketing Organization) and BGA (Brokerage General Agency), connecting independent financial professionals with life, annuity, disability income, and long-term care solutions from 60+ carrier partners.

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Protecting the Future Your Clients Envision Starts With Income Protection

September 26, 2026April 14, 2021 by Tim Fuller

Advisor presenting a client outreach marketing plan on a whiteboard to a colleague

Most clients have only a vague picture of what their life will look like five or ten years from now. Whatever that picture is, their future income pays for it. Helping clients protect that income is one of the most practical things an advisor can do.

Key takeaways

Over a full career, earned income is often a client’s single largest financial asset.
A 35-year-old earning $50,000 with 3% annual raises would earn about $2.6 million by age 67; a disability can put that at risk.
Simple “what if” questions are the easiest way to start an income protection conversation.

A 35-year-old earning $50,000 a year, with 3% annual raises, is on track to earn roughly $2.6 million by age 67.

Income is the engine behind every plan

Income funds everything: the mortgage, daily living, savings and eventually retirement. When you help a client plan for the future, you are really planning how their income will be used. That makes protecting the income itself the natural first step.

What a disability could cost

Consider a 35-year-old earning $50,000 a year with a 3% raise each year. By age 67, that adds up to roughly $2.6 million in earnings. A permanent disability early in that career could erase most of it.

The risk is not remote. The Social Security Administration estimates that just over 1 in 4 of today’s 20-year-olds will become disabled before reaching full retirement age. And Social Security disability benefits are modest; the average disabled-worker benefit is about $1,630 a month in 2026. For more on why employer coverage often falls short, see the group disability gap.

Questions that start the conversation

Start by asking clients what would happen if they got sick or hurt and couldn’t work:

How long could you cover your bills before your lifestyle changed?
If you have a family, how would they be affected?
Would you have to dip into savings or retirement accounts?
What would you give up to keep things together while you recover?

These questions let clients see the gap for themselves, without pressure.

Affordable plans are available

Individual disability income insurance can be designed to fit a wide range of budgets and occupations. Our DI specialists can help you compare options, riders and benefit periods so the plan matches what your client needs to protect. Learn more about income protection planning.

Frequently asked questions

Why is income a client’s most valuable asset?

Over a working lifetime, earned income usually totals far more than a client’s home or savings, and it funds every other goal in their financial plan.

How likely is a disability before retirement?

The Social Security Administration estimates that just over 1 in 4 of today’s 20-year-olds will become disabled before reaching full retirement age.

Isn’t Social Security disability enough?

For most clients, no. The average SSDI disabled-worker benefit is about $1,630 a month in 2026, and qualifying can be difficult and slow.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-26

Tim Fuller

President, SRS Inc.

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Overfunded Universal Life vs. a Roth IRA: How the Two Compare

September 26, 2026April 13, 2021 by Tim Fuller

Clients who have maxed out their retirement plans, or who earn too much to contribute to a Roth IRA, often ask where else they can save on a tax-advantaged basis. A properly overfunded universal life policy shares many of the Roth’s best features and adds a few of its own. Here is how the two compare.

Key takeaways

A Roth IRA has income eligibility rules and annual contribution limits; an overfunded UL has neither, though it requires insurability.
Both grow tax-deferred and can provide tax-free income, the UL through withdrawals to basis and policy loans.
The UL’s death benefit “self-completes” the savings goal if the client dies early, something a Roth can’t do.

An overfunded UL policy has no income test and no IRS contribution cap; the limits come from the amount of coverage and tax rules for life insurance.

The Roth IRA and its limits

A Roth IRA works like a reverse traditional IRA: contributions go in after tax and qualified distributions come out tax-free. The catch is access. Higher earners may be phased out entirely, and everyone faces a relatively small annual contribution limit set by the IRS.

Feature-by-feature comparison

Eligibility: Roth IRA — subject to income limits. Overfunded UL — the client must be insurable.
Contribution limits: Roth IRA — annual IRS limit. UL — no fixed dollar cap; funding is limited by the death benefit and federal tax rules for life insurance.
Deductible contributions: No for both.
Tax-deferred growth: Yes for both.
Tax-free income: Roth — qualified distributions. UL — withdrawals up to basis, then policy loans.
Early access penalty: Roth — possible penalty on early earnings withdrawals. UL — no 10% penalty as long as the policy is not a MEC.
Completes the goal at early death: Roth — no. UL — yes; the death benefit delivers the result.
Estate tax protection: Roth — no. UL — possible with trust ownership.

Design matters

The strategy only works when the policy is funded near the top of what the tax rules allow without becoming a modified endowment contract (MEC). A MEC loses the favorable tax treatment of loans and withdrawals. Clients should also understand that loans reduce the death benefit and an underfunded or over-borrowed policy can lapse, creating a tax bill. Our team can help you model a design that balances accumulation, cost and protection.

Where it fits: executive bonus plans

The same idea strengthens executive bonus arrangements. When the policy is designed as an overfunded contract and the retirement income potential is explained at the start, the benefit feels far more valuable to the executive. Clients are generally more open to using life insurance for retirement once they see how closely it resembles a Roth IRA.

Frequently asked questions

Can a high earner use life insurance like a Roth IRA?

Yes. An overfunded cash value policy has no income eligibility test. With proper design, it can provide tax-deferred growth and tax-free income through withdrawals to basis and policy loans.

What is a MEC and why does it matter?

A modified endowment contract is a policy funded beyond federal limits. Loans and withdrawals from a MEC are taxed less favorably and may face a 10% penalty before age 59½, so overfunded designs stay under the MEC limit.

Is overfunded UL a replacement for a Roth IRA?

Usually it is a supplement. Clients who can contribute to a Roth often do both. The UL adds a death benefit and has no contribution cap, but it has insurance costs a Roth doesn’t.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-26

Tim Fuller

President, SRS Inc.

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Lower Term Premiums With an Income Payout Option

September 26, 2026April 12, 2021 by Tim Fuller

Term life insurance usually exists to replace income and pay off debts. For budget-conscious clients, there is a way to keep the same total protection while lowering the premium: pay part of the death benefit to the family as a stream of income instead of all at once.

Key takeaways

Some carriers offer an income payout option on term policies that pays part of the benefit as a lump sum and the rest as guaranteed annual installments.
In one case we worked, restructuring a $2.5 million term policy this way cut the monthly premium by about 20%.
It won’t fit every family, but a review of recent term cases can uncover clients who would welcome the savings.

Same $2.5 million total payout, about $100 less per month — just by changing how the death benefit is paid.

How an income payout option works

Some term products include a feature, sometimes called an Income Protection Option, that restructures how the death benefit is paid. Instead of a single lump sum, the family receives a smaller lump sum plus a guaranteed annual income for a set number of years — as few as five or as many as 30, depending on the product. Because the carrier pays out over time, the premium is generally lower than for a traditional lump-sum policy. Availability and terms vary by carrier, so confirm current product details.

Case study: 20% lower premium, same total benefit

A 47-year-old male bought a 20-year, $2.5 million term policy at a standard risk class for $577 a month.
A year later, we designed a new 20-year policy with the income payout option: $500,000 at death plus $100,000 a year to the family for 20 years — the same $2.5 million total.
The new premium was $476.73 a month, about $100 less, or roughly 20% lower.

Premiums reflect that specific case and time period; current pricing will differ.

When it fits — and when it doesn’t

An income stream mirrors what the family actually lost: a paycheck. It can also protect heirs who may not be ready to manage a large lump sum. But it isn’t right when the family needs a large sum immediately, such as to pay off a mortgage or fund a buy-sell agreement. For help sizing the lump sum and income portions, see our guide to income replacement multiples.

Turn a review into new business

Look back over term cases you’ve written in the past few years. Ask clients whether an extended payout would work for their family. If it does, the client saves money and you place a new policy. Contact us and we’ll run the comparison.

Frequently asked questions

What is an income payout option on term life?

It is a feature on some term policies that pays part of the death benefit as a lump sum and the rest as guaranteed annual installments to beneficiaries, which generally lowers the premium.

How much can clients save?

It depends on the carrier and design. In one case we worked, the premium dropped by about 20% while the total payout stayed at $2.5 million.

Who should not use an income payout design?

Families that need a large lump sum right away — for a mortgage payoff, estate taxes or a business agreement — are usually better served by a traditional lump-sum benefit.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-26

Tim Fuller

President, SRS Inc.

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The NT-proBNP Test: How a Good Result Can Earn Underwriting Credit

September 25, 2026April 9, 2021 by Tim Fuller

The NT-proBNP blood test is now a routine part of many insurance lab panels, especially for older applicants. An abnormal result can derail a case, but a favorable one can help.

Key takeaways

NT-proBNP is a marker of cardiovascular risk and long-term mortality, released when the heart is under strain.
Some carriers decline or require a cardiac work-up when the result is abnormal.
One carrier uses a normal result as a credit for applicants 70 and older, lifting a 75-year-old with a past TIA from mild substandard to Standard.

A normal NT-proBNP turned a mild substandard offer into Standard for a 75-year-old with a prior mini-stroke.

What the test measures

NT-proBNP is released by the heart when it’s working too hard: when it isn’t pumping enough blood to meet the body’s needs, is short of oxygen, or the main heart muscle is enlarged. It’s a marker for overall cardiovascular risk and long-term mortality in people with heart disease.

When the result is abnormal

An abnormal result on an insurance lab panel can lead some carriers to decline automatically, or to require an additional cardiac work-up at the applicant’s expense before reconsidering.

When the result is favorable

One of our A-rated carriers uses a favorable result as an underwriting credit for applicants age 70 and older.

Male, age 75, non-smoker, seeking $500,000 of UL
History of a TIA (mini-stroke) three years ago, followed closely by his doctor
Insurance labs showed an NT-proBNP of 55 (normal)

Normally a mild substandard rating; with the credit, Standard.

Why it matters for older clients

For senior applicants, good lab results can offset history that would otherwise be rated. Ask our Underwriting Team which carriers credit favorable labs before you choose where to submit. For another senior cardiac case, see Standard at 72 with coronary artery disease.

Frequently asked questions

What is NT-proBNP on a life insurance blood test?

A marker the heart releases when it’s under strain. Insurers use it to assess cardiovascular risk, especially for older applicants.

What happens if NT-proBNP is high on an insurance exam?

Some carriers decline or ask for further cardiac testing. Others may still consider the case, so it’s worth shopping.

Can a good NT-proBNP improve a life insurance offer?

Yes. One carrier uses a normal result as a credit for applicants 70 and older, which can improve the rate class.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Asset-Based Long-Term Care With Guaranteed Premiums: No “Use It or Lose It”

September 25, 2026April 8, 2021 by Tim Fuller

The biggest objection to long-term care insurance isn’t that clients don’t want it. It’s paying for something they may never use. Asset-based LTC with guaranteed premiums removes that objection.

Key takeaways

Asset-based LTC pays for qualified care if needed, and leaves a death benefit or cash value if not.
Some designs offer premiums that are guaranteed never to increase, even when paid for life.
The guaranteed life insurance amount can be used for qualifying long-term care expenses.

If they need care, the policy pays for it. If they don’t, their family gets the death benefit. Either way, the premium did its job.

The “use it or lose it” objection

Long-term care is a risk, not a certainty, and many clients hesitate to put money toward something they might never need. Traditional LTC premiums can also rise over time, which adds to the hesitation.

How asset-based LTC with guaranteed premiums works

Clients receive a guaranteed amount of life insurance, all of which can be used for qualifying long-term care expenses.
If care isn’t needed, the death benefit or remaining value passes to heirs.
Some designs, such as OneAmerica’s Asset Care, offer premiums guaranteed not to increase, including pay-for-life options, and credit a guaranteed interest rate to build cash value.

Who it fits

Clients who want certainty about cost, dislike the idea of “wasted” premiums, or have assets they’d like to reposition. See four client profiles for asset-based LTC. Contact our LTC team for a quote and a client-friendly summary.

Frequently asked questions

What happens if I never use my asset-based LTC policy?

The death benefit or remaining value passes to your beneficiaries.

Can long-term care premiums be guaranteed?

Some asset-based products guarantee premiums will never increase. Traditional LTC premiums generally aren’t guaranteed.

What is asset-based long-term care?

A life insurance or annuity product that includes long-term care benefits, so the money provides value whether or not care is needed.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Could Your Clients Keep Their Home Without Their Income? Disability Insurance and the Mortgage

September 25, 2026April 7, 2021 by Tim Fuller

“Could you afford your home without your income?” For many clients, that single question makes disability insurance real in a way nothing else does.

Key takeaways

For most families, the mortgage or rent is the largest bill that depends on a paycheck.
Many households live paycheck to paycheck, so savings wouldn’t cover a long disability.
Individual disability insurance pays monthly benefits the client can use for the mortgage and everything else.

The mortgage doesn’t pause when the paycheck does. Disability income insurance keeps it paid.

Why the home is the right starting point

Clients protect their home with homeowners insurance and their family with life insurance. But the most likely threat to keeping their home is losing income to an illness or injury. Many households have little cushion: missing a few paychecks can quickly lead to missed mortgage payments.

Disability insurance vs. mortgage disability riders

Some lenders and credit insurers offer mortgage payment protection, but it typically covers only the loan payment and may be limited. Individual disability insurance pays the client directly, so benefits can cover the mortgage, utilities, groceries, and the rest of life. See the M.U.G. plan for a budget-friendly design.

A simple script

Why do you go to work every day? What if you couldn’t?
What would life look like if you couldn’t earn a paycheck because of an illness or injury?
How would you pay for the big things, like the mortgage, groceries, and utilities, and the small things, like date nights and the kids’ activities?
Individual disability insurance pays monthly benefits if you’re too sick or hurt to work, so you can keep your home and your lifestyle.

Frequently asked questions

Does disability insurance pay my mortgage?

Individual disability insurance pays a monthly benefit to you, which you can use for your mortgage or any other expense.

What happens to my mortgage if I become disabled?

Payments are still due. Without disability income, many families fall behind quickly.

Is mortgage protection insurance the same as disability insurance?

No. Mortgage protection usually covers only the loan payment, while disability insurance replaces a portion of income for any use.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Using Indexed Universal Life to Fund Executive Bonus Plans

September 26, 2026April 6, 2021 by Tim Fuller

A Section 162 executive bonus plan is simple: the employer pays the premium on a policy the executive owns. Funded with indexed universal life and designed thoughtfully, that simple chassis becomes one of the most attractive nonqualified benefits a business can offer.

Key takeaways

IUL gives the executive tax-deferred growth linked to an index, with downside protection, plus the potential for tax-free retirement income.
Design choices — bonus grossed up for taxes, paid-up funding by retirement, an LTC rider — make the plan feel like a lifetime benefit.
A two-policy approach (term for working-years need, smaller IUL for life) can keep costs manageable.

A well-designed executive bonus plan doesn’t just sell more easily — it stays valuable to the executive long after retirement.

Why indexed UL fits executive bonus plans

In an executive bonus plan, the executive owns the policy and the employer deducts the bonus as compensation. Because the executive keeps the policy, the product choice matters. Indexed UL credits interest based on an index, with a floor that protects against market losses, and its cash value can later be accessed through withdrawals and loans for supplemental retirement income. That accumulation potential is what turns the plan from “some life insurance” into a meaningful benefit. For the tax comparison, see overfunded UL vs. a Roth IRA.

Design features that add value

Eliminate sticker shock. The bonus is taxable income to the executive. Gross it up so the after-tax amount covers the premium and the remainder can cover the tax.
Skip cost recovery when possible. Reimbursement provisions reduce the plan’s appeal. If recovery is essential, split dollar may be a better fit; otherwise, the employer can start with lower premiums and increase the bonus as service lengthens.
Fund to paid-up status. A policy that needs premiums after retirement feels like a future burden. Aim for a design that can carry itself into the executive’s non-working years.
Add a long-term care rider. Tax-free accelerated benefits for care give the executive protection for life.

The two-policy solution

A paid-up IUL with an LTC rider can be expensive. Since death benefit needs are highest during working years, one approach is to cover the bulk of that need with level term through the expected working life, then add a smaller IUL. The IUL’s death benefit can help with long-term care costs if needed, or provide estate liquidity if not.

Setting expectations

Illustrations for IUL are not guarantees. Caps, participation rates and policy charges can change, and loans reduce the death benefit. Show the executive conservative illustrated rates and explain that the policy needs monitoring. Our advanced markets team can help you compare carriers and design options. See also single vs. double bonus designs.

Frequently asked questions

Is the executive taxed on an executive bonus plan?

Yes. The bonus is reported as W-2 income to the executive and is generally deductible by the employer as reasonable compensation. Many plans gross up the bonus to cover the tax.

Why use indexed UL instead of term in a bonus plan?

IUL builds cash value that can supplement retirement income and can carry a long-term care rider, making the benefit valuable for life. Term provides protection only during the coverage period.

Can the employer get its money back if the executive leaves?

Not under a pure executive bonus plan, since the executive owns the policy. A restrictive endorsement or a split dollar arrangement can add recovery or vesting features if needed.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-26

Tim Fuller

President, SRS Inc.

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Positioning Cash Value Life Insurance for Retirement Savings

September 26, 2026April 5, 2021 by Tim Fuller

Many clients want help preparing for retirement, but few think of life insurance as part of that plan. Cash value life insurance, properly structured, offers tax-favored accumulation and tax-free income along with the death benefit. It deserves a place in the retirement conversation.

Key takeaways

Cash value life insurance offers tax-deferred growth and, when structured properly, tax-free income through withdrawals and loans.
Flexible premium schedules let clients fund at $100, $1,000 or $10,000 a month.
Starting younger and healthier gives cash value more time to compound and locks in better pricing.

If the insured dies before using the cash value, the death benefit delivers a tax-free return on the premiums paid.

More than protection

Clients often see life insurance only as protection against dying too soon. They may not know that cash value policies offer tax-deferred growth and, if structured properly, income that is not taxable when taken through withdrawals up to basis and policy loans. For clients saving for retirement, that is a meaningful advantage.

Why term alone may leave value on the table

Term insurance is efficient for replacing income or covering debts during a set period. But most clients outlive their level term period, which means the premiums don’t come back to them. A cash value policy can serve as protection and a long-term savings vehicle at the same time.

Start early and fund consistently

Buying coverage at a younger age and in better health improves pricing. The longer a policy is funded, the more time cash value has to compound, and the larger the potential income stream. That cash value can help with retirement income, education costs for loved ones, or unexpected expenses like medical emergencies or home repairs. Flexible premiums help overcome the objection that the policy costs too much: clients can fund what they can reasonably afford. Policies must be monitored, since loans and withdrawals reduce the death benefit and can cause a lapse if mismanaged.

Make it part of every retirement conversation

Many clients want to talk about retirement but feel overwhelmed. If you haven’t shown them how cash value life insurance fits, another advisor may. Our team can help you compare accumulation products and build a design for any budget. For high earners, see how overfunded UL compares to a Roth IRA.

Frequently asked questions

Can life insurance be used to save for retirement?

Yes. Cash value policies grow tax-deferred, and properly structured policies can provide tax-free income through withdrawals up to basis and policy loans, while also providing a death benefit.

How much does a client need to fund a cash value policy?

Premium is flexible. Designs can be built for budgets from around $100 a month to $10,000 a month or more, depending on the client’s goals.

What are the risks of using life insurance for retirement income?

Loans and withdrawals reduce the death benefit, and an over-borrowed or underfunded policy can lapse and trigger taxes. Policies need regular monitoring and conservative illustrations.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-26

Tim Fuller

President, SRS Inc.

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Wellness Credits: How Healthy Habits Can Improve a Life Insurance Rating

September 25, 2026April 2, 2021 by Tim Fuller

Clients who take care of their health should get credit for it. One top carrier’s wellness program does exactly that, automatically upgrading qualifying clients by up to one rate class.

Key takeaways

The program is open to all ages and face amounts on most of the carrier’s products.
Qualifying clients can move up one class, including from Preferred to Preferred Plus, and substandard ratings can improve too.
Criteria include healthy BMI, low untreated blood pressure, favorable family history, up-to-date screenings, and excellent A1C.

Healthy habits can move a client up a full rate class — from Preferred to Preferred Plus, or out of a table rating.

How the program works

The carrier reviews lifestyle and health markers during underwriting. Clients who meet the criteria may be credited up to one classification, whether moving from Preferred to Preferred Plus or improving a substandard rating.

Sample criteria

BMI between 22 and 29 (ages 18+)
Untreated blood pressure below 120/80
No coronary artery disease, diabetes, or cancer in parents or siblings before age 60, or both parents living to 75+
Normal routine screenings (colonoscopy, mammogram, pap smear, CBC, skin checks) within the last three years
Hemoglobin A1C between 5.0 and 5.5 in the last 12 months

Program details can change; confirm current criteria with our team.

Related programs

Other carriers use different credit approaches; see lifestyle and fitness credits and one-class upgrade programs.

Frequently asked questions

What are wellness credits in life insurance?

Credits some carriers apply for healthy habits and test results, which can improve a client’s rate class.

Can a healthy lifestyle lower my life insurance premium?

Yes. With some carriers, favorable BMI, blood pressure, screenings, and lab results can move you up a rate class.

Do up-to-date cancer screenings help life insurance?

At some carriers, normal routine screenings within the last three years count toward wellness credits.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Long-Term Care Costs by Setting: Assisted Living, Nursing Homes, and Home Care

What care costs in 2025

The Medicare misconception

Where insurance fits

Frequently asked questions

Tim Fuller

We’re Here to Help

Income is the engine behind every plan

What a disability could cost

Questions that start the conversation

Affordable plans are available

Frequently asked questions

Tim Fuller

We’re Here to Help

Tim Fuller

We’re Here to Help

Tim Fuller

Tim Fuller

Tim Fuller

Tim Fuller

Tim Fuller

Tim Fuller

Tim Fuller