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Blended Long Term Care Solutions

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The odds are you’ll need long term care as you age. Will you be covered?

According to the Pennsylvania Health Care Association an estimated 70% of people currently turning 65 will require long-term care in their lifetime, and they will receive care for an average of 3 years. Blended policies typically combine life insurance with long-term care coverage. This provides a dual benefit – if you need long-term care, the policy helps cover the costs, and if you don’t, it pays out as life insurance.

Blended policies can be more cost-effective than purchasing separate life insurance and long-term care policies which can lead to savings over time.  Long-term care can be extremely expensive. Without insurance, you may need to spend down your savings or sell assets to pay for care. A blended policy helps protect your assets and preserve your estate for your heirs. Unlike traditional long-term care policies, which you might pay into but never use, a blended policy ensures that either you or your beneficiaries will receive a benefit, whether it’s for long-term care or as a death benefit.

Knowing you have coverage for long-term care can provide peace of mind, both for you and your family. It can alleviate the worry about the financial burden of care in the future.

Great service and always available!
Allison Clayton
Already did this. But won't hesitate again to let others know this is a top notch company and I'm so blessed to have them working w me!
Peggy Whalen
Jim Graham is extremely knowledgeable, attentive and kind. He took so much care and time to find the right cocktail of insurance for my business's specific needs!
Autumn Stankay
I highly recommend Graham Insurance group. Great customer service, friendly people, and always is looking at your best interest.
Dominic DiDonne (Dom & Nikki)
Locked my keys in my car on a Sunday and called the roadside assistance and had my car unlocked within the hour. Very easy and quick the guy also asked if I was OK and in a safe location.
Nicholas Prettiman
My father was with Graham Insurance and when I needed insurance I went to them as well. They have always been professional and helpful. Even though I rarely called them they know who I am as soon as I told them my name. I highly recommend them for all your insurance needs.
I have been with nationwide for years, they have always been friendly, helpful and professional. I have always been able to count on them for my auto and home insurance.
Laura Wilkinson
We have been with Graham Insurance for decades. Always a no-hassle experience and very competitive rates. A huge thanks to Ronni who helped us recognize our new coverage needs and completed the process seamlessly.
Kimberly Bringe