What Our Clients Say About Us

As a new business owner, securing disability insurance felt unfamiliar and somewhat daunting. Daniel led me through the process with patience and thoughtfulness. He responded to every question I had, no matter how mundane. And he (gently) followed up when I let things fall behind on my end. I'm grateful for Daniel's professionalism, kindness, and guidance!
Sara West
Sara West
1710776996
I highly recommend CEG Insurance. Daniel provided exceptional assistance in navigating my term life insurance decision. Daniel's clear and prompt explanations made the process smooth and easy to understand. I'm grateful for his expertise and professionalism.
Rin Chung
Rin Chung
1710530686
Daniel Adams made my life insurance application so smooth, so quick and so easy that I decided to choose CEG versus the other 2 insurance companies that I was dealing with. He is so professional and so knowledgeable that I highly, highly recommend him!And this is my honest and unbiased review!
Purchasing a life insurance policy is pretty important and not an easy task. One needs to visit multiple companies and shop for rates. I found Daniel J. Adams via Google search and I am so happy I did. He was absolutely awesome. He is the example of an insurance professional. We had a phone interview, he explained the process in details, gave example of rates and suggested best companies. When the company I applied for gave me the second best rate, Daniel made a request to find out why and as a result, I was given the best rate, which saved me over $10/month. Not a whole lot, but it's not the point. The point is, Daniel found time and was willing to fight for me to get the best rate. I highly recommend Daniel to anyone who is looking for life insurance policy. He is a true professional!
Eugene
Eugene
1701753999
We worked with Daniel to secure life insurance for my husband and myself, he is attentive and quick with updates which made the process easy to navigate. He was also a great help in reviewing the right providers and coverage amounts and presenting multiple options for our consideration. Would definitely recommend working with Daniel!
Laura Foster
Laura Foster
1699892547
I recently worked with Daniel and he was very helpful and thorough. Daniel took the time to explain the various insurance options in detail, ensuring I had a clear understanding of each policy's benefits and limitations. I appreciated his patience in addressing my questions.Throughout the application process, Daniel was responsive and kept me informed about the progress. He completed the items in a timely manner, making the overall experience less stressful. I'd happily recommend Daniel!
Stephen Yoshida
Stephen Yoshida
1695335664
Daniel Adams was very helpful throughout the whole process of buying life insurance for our family. He was responsive, courteous and professional, and helped us secure excellent rates from a reputable company. Would recommend him to anyone!
Jamie Nomitch
Jamie Nomitch
1694445130
Daniel was great to work with for getting set up with our term life insurance policies. Explained details between options clearly, and was always quick to respond to questions. We used his services again a few years later for additional policies, and wouldn't hesitate to recommend him to others.
Jon Wheelwright
Jon Wheelwright
1693678718
Daniel made shopping for life insurance a breeze! He is competent, knowledgeable and patient with his clients. He wasn't pushy, and answered any and all questions I came up with. You won't be disappointed with him in your corner.
Victor Gomes
Victor Gomes
1691023979
I've worked with a Daniel at CEG Life Insurance Services and let me tell you he is one of the best and easiest to work with life insurance brokers. Daniel is extremely knowledgeable and will provide the best options for your particular needs. They are not tied to one company and so you can shop around for the best rates with him. Once you decide on the company for your policy, their application process is seamless and a breeze to work through. I've been very pleased with their services and recommend them to anyone looking for life insurance.
Suzie Casino
Suzie Casino
1687801702
I found Daniel through the term4sale website. I chose him because of his good reviews and because he's local, but I've never actually met him in person! I think that's a testament to how streamlined he's made the process of buying life insurance online. He's quick and professional with emails. I was in the loop throughout the whole process. At one point the insurance company wanted to approve me for less than I had asked for, but after I explained my circumstances to Daniel he was able to file a successful appeal for the amount that I wanted. In the end I got the exact coverage and rate that was advertised on term4sale.
Brian Swindell
Brian Swindell
1686673416
D.J. recently helped my husband and me get new term life insurance policies that will save us about $400 per year compared to the premiums we were paying before. I'm very impressed with D.J.'s thorough knowledge of insurance products in general - I felt like we were armed with helpful knowledge to make an informed decision about our new policies, plus D.J. proactively guided us the entire way, even encouraging us to stick with the process when we had gotten sidetracked and not finalized everything. I needed these reminders, because I know how important it was for us to get these new policies in place to protect ourselves and our kids. Thank you again, D.J.!
Kelly Klingaman
Kelly Klingaman
1686669975
Daniel was great! Prompt, followed-through, and kept us all on track. Highly recommended.
James Liu
James Liu
1686609349
Daniel was incredibly knowledgeable and provided excellent service. I would highly recommend him to anyone looking into life insurance.
Great experience working with Daniel Adams at CEG Life Insurance Services!We told him how much coverage we thought we would need, he directed us to fill out an application, said he would review it and submit it to the life insurance companies and get us the lowest premium possible. After that, he gave us constant updates to let us know the status of our application once it was with the underwriter. Whole process was easy and painless. Took less than 2 months from the time we talked to Daniel, until both my husband and I got approved and paid our first premiums.
Lali Sessions
Lali Sessions
1685582838
I worked with Bethany to obtain life insurance. She was very professional, patient through the process, and always responded very promptly. She was available to answer any questions and very knowledgeable. She did not pressure any decisions, just provided guidance along the way. I would highly recommend working with her for life insurance.
Zack & Hannah
Zack & Hannah
1684420037
I've worked with Daniel Adams for 5 years for my life insurance needs. He has exceeded my expectations in every way, both during my initial purchase 5 years ago and during my recent change in policy. He goes above and beyond in thinking critically, anticipating needs, exploring options, and communicating every relevant detail. He has worked diligently to successfully navigate hurdles that have arisen in my applications. He is truly committed to providing excellent service and I could not recommend him any higher.
Daniel Goble
Daniel Goble
1680029548
Bethany has helped me with several policies and has always been very professional, responsive, and easy to work with.
Philip Hurst
Philip Hurst
1676244673
I was referred to CEG by another insurance broker and had the pleasure of working with Bethany Carlson who quickly found the best policies that met our family’s coverage needs. She guided us through every step of the application/medical underwriting process and was always super communicative with status updates. Bethany is a true professional and I would 100% recommend her and CEG if you're shopping for life insurance!
Aaron K
Aaron K
1673141984
Daniel is awesome and very helpful!
Wood Chiang
Wood Chiang
1671480053
Bethany helped me with finding the right insurance policy for me! 100% recommend!
Anil Mohan
Anil Mohan
1670707140
It was a pleasure working with Daniel. He is very knowledgable and his guidance was crucial during the insurance application process. He follows up in a timely manner and presents the best options available. He also answered all our questions patiently. Definitely recommend working with CEG.
They made it very easy to set both myself and my wife up with life insurance policies. The process couldn't have been any more smooth.
Timothy Perkins
Timothy Perkins
1656702020
Bethany was very helpful and stuck with me despite my flighty noncommittal ways.
Devin D
Devin D
1652981126
Bethany C. was amazing to work with. She was prompt and understood the new WA regulations that are new to many of us. The process was quick and efficient, especially as I was not sure what to expect.
Josh McMillen
Josh McMillen
1645922859
Bethany with CEG life was amazing to work with and went the extra mile to get us a good policy. I'd absolutely recommend her.
Matthew Miller
Matthew Miller
1645643666
Bethany Carlson, the agent who handled my life insurance application from start to finish did fantastic. She promptly and patiently answered all my questions to my total satisfaction. Assisting with the medical records processing was Brittney Hartung who I also give 5*s. A great experience all the way around and I highly recommend CEG Life Insurance Services!
AH
AH
1645375246
Brittney Hartung at CEG is a pro and very easy to work with. I 100% recommend her services to all. Thank you again Brittney for making the process efficient and simple.
Holly Ailey
Holly Ailey
1644357889
Super responsive, excellent follow through and knowledgeable Bethany helped navigate the process for Long Term Care insurance in very challenging times and delivered every step of the way.
Kelly Shepherd
Kelly Shepherd
1643989707
Responsive, professional, excellent service. Highly recommended. Thank you.
Kevin Harris
Kevin Harris
1641071173
We loved working with Daniel and his team! He and his team were always quick to respond, answered our questions very thoroughly, and provided recommendations based on our interests and preferences. We had a great experience and would love to work with Daniel again. Highly recommend!
Ellis Yu
Ellis Yu
1640883879
My husband and I worked with Bethany from CEG to set up life insurance policies. Bethany was very professional and so speedy at responding to our email questions! She walked us through every step of the process. Would highly recommend this company!
Rachael Ryan
Rachael Ryan
1639668729
Recently worked with them on getting an insurance policy (required to satisfy getting an exemption from the WA state mandated LTC tax). They offered me a great policy with extremely competitive rates, and helped me every step of the way from collecting docs to getting an approval. Super impressed with how thorough and responsive they were throughout the process! Would definitely go to them for future insurance needs.
I'm very lucky to find CEG. Bethany helps me for LTC purchase last minutes. I was not able to find any company that I can buy LTC. Bethany is very professional and very quick response to all my questions even on weekend. There is no way that I can find any companies that can provide service 24/7 answer your question like her. I highly recommend her service for any products.
Wendy Lam
Wendy Lam
1635829287
It has been my pleasure to work with CEG Life Services. They were always kind, knowledgeable and quick to replay back to me. They were very prompt with their responses and always made sure I was up to date with the latest information.
Anthony Lampa
Anthony Lampa
1635612041
Bethany was incredibly helpful. She made it super easy to get a long term care policy at a good price. She patiently answered all of my questions. It was a great experience.
Robert Noble
Robert Noble
1635406009
Very helpful, Bethany was great and guided us through our options. She was always ready to answer any questions we had.
Bethany Carlson was a very professional and friendly agent to work with, and she gave me a great long term care policy with great coverage and low premiums. The application process was very easy and quick. Thank you very much, and I will definitely recommend her to anyone needing an insurance policy!!
We worked with Bethany Carlson to get long term care policies and she was extremely patient, friendly, polite, and professional. She answered all our questions and provided us with updates throughout the process, and we were happy with the policy we received.
Bethany was amazing, super responsive to my many questions! So impressed by how easy she made the entire process!! Thank you!!!
Dova Smith
Dova Smith
1633628465
Worked closely with Brittney - she was very responsive and went above and beyond.
James Le
James Le
1632153335
They are very responsible and helpful. I purchased a LTC insurance product through their services, and I had a good experience. Highly recommended.
Xinying Song
Xinying Song
1631569200
I really had great experience with Daniel Adams. He is super professional and really great at responding to emails in a timely fashion. even though there were a lot of applications sumbmitted during this timeframe he made the application process super fast for us
Ran Michaely
Ran Michaely
1631228497
Daniel from CEG Life was great to work with. He was professional and super responsive. Thanks Daniel!
Offers very professional service, very responsive to our questions, and timely follow-ups. I would highly recommend working with Daniel Adams based on our experience.
I worked with Daniel to obtain term life insurance. Throughout the process, Daniel was highly responsive and always provided helpful insights. I felt that helping me make the best financial decisions based on my life situation was a priority for Daniel. Information was always provided for me to make a decision instead of pressuring me into particular products. I highly recommend Daniel and his team.
Kin Lau
Kin Lau
1627045319
Daniel helped walk me through the process of obtaining life insurance. He was very responsive and answered questions promptly and efficiently. Made the process very easy - would highly recommend!
Joe Raycroft
Joe Raycroft
1625088231
CEG Life Insurance Services has been the most pleasant service provider I’ve experienced. Impeccably responsive and undeniably professional. Always a pleasure to connect with 👍👍👍
I cannot go far enough to state how excellent my experience has been with this agency. I've worked with both Daniel and Brittney and just been impressed time and time again with their attention to detail, how communicative they've been, and always following through on what they promise. I've now used them twice for myself for policies and my husband has also used them twice and nothing but amazing things to say. They went above and beyond to make sure we had the information we needed to pick a carrier that was the least expensive/highest quality. When we've had any issues dealing with underwriting or the insurance companies they are on top of it and follow up very quickly. I've worked with several people in this industry in my line of work and the way this agency does business is an outlier. Would recommend them to anyone.
Dan and the team at CEG have been amazing to work with. I was initially nervous about buying insurance completely virtually, but the process was smooth and there was frequent communication. Even two years later their customer service helping us update our address for two separate companies has been top notch. I'd highly recommend using CEG!
Nate Esser
Nate Esser
1610550797
I worked with Bethany, and it was a real pleasure. She was responsive to my (many) questions and ensured that everything was in place, checking in frequently. Highly recommend!
Andrea Staid
Andrea Staid
1610491297
I worked with Bethany Carlson and she helped me find the best financial product that suited my needs in terms of coverage and premiums. She is very responsive, professional and extremely kind.
Christelle B
Christelle B
1609868150
Daniel Adams and his team did a fantastic job helping me find and secure a term life policy that fit our needs. He was profession, prompt and clearly understood my goals and matched me with a great product. I would highly recommend Daniel and CEG life insurance services.
Excellent service and very responsive to emails and questions. Highly recommended!
Venu Nemani
Venu Nemani
1609297683
I had a great experience working with Daniel. He was very responsive and helpful in answering all my questions. The CEG team went above and beyond to get my application approved in a timely manner. I highly recommend them.
Marianne Smith
Marianne Smith
1605847084
Great, professional, prompt, and personalized service
Josh Miles
Josh Miles
1603752966
Worked with Dan on a disability insurance policy. He was professional and efficient. I could not have asked for a more seamless process.
Carolyn Murphy
Carolyn Murphy
1600040520
CEG was extremely helpful in helping us search for the ideal insurance policy. They were responsive, and helpful during the entire process and ultimately we were able to find a policy we were happy with. We would highly recommend them!
Hao-Min Pan
Hao-Min Pan
1597276247
I was seeking a replacement policy and am very satisfied with the assistance I received from Bethany and CEG Life Insurance services. I was impressed with the rapid response initially to my request and the easy access and communication throughout the entire process. Thank you very much!
Rick Campbell
Rick Campbell
1593524279
I live clear across the country, but still seek out the opportunity to use Daniel and his team whenever possible. He is incredibly compassionate about a difficult topic (life insurance) and I am so grateful for his expertise and care and concern for our family. I continue to refer friends and family to him because of the excellent service we have received each time we have used him.
Mary Carlson
Mary Carlson
1593288973
Daniel Adams wrote some life insurance policies for us and it went fast and smooth. Very Professional!!
Dan Stumpf
Dan Stumpf
1591896546
I had a very good experience working with Daniel and would not hesitate to recommend him to others. He was great at working through some challenges that arose in the process and I was able to obtain a product that works well for me.
Christina Lewis
Christina Lewis
1588702043
Very easy experience getting life insurance. The staff was informed and very proactive. Would definitely recommend!
Mike Chavoustie
Mike Chavoustie
1586618411
Very helpful and caring with excellent communication!
Christina Moran
Christina Moran
1585423264
Excellent and very friendly service from Daniel and Bethany with CEG Life Insurance Services. I worked with Bethany Carlson, who was very proficient, friendly, and professional. She educated me throughout the process of getting a life insurance. She answered all questions I asked. Others will just try to sell you a product or service without educating you and identifying what is best for you, but she is not that type. She went the extra mile and it was just such a pleasure working with her. Thanks again CEG and Bethany!
I appreciated working with CEG Life Insurance Services. I worked with Bethany Carlson, and she was very helpful in looking at life insurance. She always responded quickly and informatively, and I felt like my case was important to her.
Kamri Larsen
Kamri Larsen
1582825829
Bethany is the best. She was extremely responsive, a great advocate, and always had the exact information I needed. She was so fast and thorough, I'd use her again every time.
Marshall Vogts
Marshall Vogts
1582715528
Daniel and Bethany were great to work with. Similar to another review I saw posted, I had requested to be contacted at a particular time from life insurance agents, as I was busy that particular week. Two agents ignored my request and contacted me immediately, and Daniel was the only one who acknowledged and honored my request. Any e-mails that I sent while trying to figure out which plan to get were met with detailed responses. I had also asked for sample contracts from different insurance companies, which Daniel got for me. After settling on plans through Banner for me and my wife, the process to get approved took quite some time, and Daniel and Bethany did a great job facilitating communications between medical offices, Banner Life, and us throughout the process. We found our experience with CEG nothing but professional - we highly recommend them!
Andrew Shin
Andrew Shin
1580113127
I had a great experience working with Bethany. I was looking for quotes on both life insurance and disability insurance. She efficiently gathered the information needed from me, presented me the options, answered all my questions, and never pressured me. I ended up only purchasing the life insurance and was very pleased with my experience. Bethany is very professional and responsive. Highly recommended.
Kate Richardson
Kate Richardson
1579284675
Daniel did an awesome job with my life insurance policy. His replies were prompt and thorough, but he was never pushy or overbearing. When sending my application to multiple carriers, he did much of the legwork himself, leaving it as streamlined as possible for me. I wouldn't hesitate to work with Daniel at CEG again.
Highly recommended! Bethany was so helpful in helping me navigate the different options and get me the exact coverage I wanted. And at a great price too!
Justin Miller
Justin Miller
1578326991
Bethany was extremely helpful and prompt in her responses. I would highly recommend using CEG.
Kole Melton
Kole Melton
1576782216
Daniel Adams went above and beyond my expectations. Daniel reached out to me after I requested a quote through term4sale. I'm glad I went with Daniel out of all the agents who reached out to me. He accommodated me when I asked to not be disturbed, as I have a very busy work schedule. He promptly responded to all my emails and in great detail. He never recommended a product I didn't need and provided me with exactly what I asked for. I received multiple quotes through other agents and Daniel's was unbelievably low. I accepted and got coverage within a few weeks. Now I'm referring him to other friends and family. Thank you, Daniel!
Imran Mavani
Imran Mavani
1573055198
Daniel Adams and his team are excellent! I highly recommend CEG. He was very easy to work with and was great about following up to make sure everything was properly done. He went above and beyond with checking policies and truly cared about getting my wife and I the lowest life insurance rates, which he did as I compared polices with many other brokers.
Nick Glaeser
Nick Glaeser
1571173299
Daniel and Bethany are true professionals and meet the needs of their clients. I was directed to a few different life insurance representatives and this team was by far the easiest to work with. They were able to deliver on every expectation with in mind how fast (or slow) things were on my part. There was never a push or shove. They simply provide the best they can and are there for any questions or concerns in a timely manner.
Daniel Adams helped me get a term life insurance policy, and really provided great service. He provided me with a range of quotes and I never felt like he was pushing me way way or another but actually had my best interests in mind. I highly recommend his services.
Dalton Haslam
Dalton Haslam
1561832416
The service I received from Daniel J. Adams at CEG was outstanding, and I highly recommend him.
Ben Zitomer
Ben Zitomer
1561647083
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Featured In

Read our featured articles in major news publications

Financial Security

Financial security through life insurance planning is an important part of any financial plan. However, it can be a challenge to find a financial advisor who is knowledgeable about life insurance products that guarantee income and isn’t captive to a limited number of life insurance companies. This can leave people working with someone who only has limited knowledge or limited options to offer when it comes to life insurance products. At CEG Life Insurance Services, we are committed to offering the best expertise and largest selection of companies and products related to life insurance planning. We also work with other insurance and financial professionals to offer financial security to individuals and families with tax-free income at death, disability, college, and retirement with life insurance.

LEARN MORE ABOUT CEG LIFE

Life Insurance

Life insurance is at the core of our business. We believe that life insurance is a foundational part of a comprehensive financial plan and our aim is to help you understand the policies available to you, the companies that provide those policies, and the process and cost of obtaining a life insurance policy. We then help you obtain the best life insurance policy for your needs, from the life insurance company of your choice, at the best available price, as well as provide you ongoing service for your life insurance policy after your purchase.

LEARN MORE ABOUT LIFE INSURANCE

Disability Insurance

What is your most valuable asset? Many would mention a business while others a home. Some might present an investment portfolio. However, the majority of individuals fail to remember the single most valuable asset that makes all others possible: the ability to earn an income. But what happens when you can’t work due to a disabling illness or injury? Disability insurance and life insurance can guarantee a set monthly benefit for a set amount of time, so that you can continue to provide for yourself, your family, or your employees while you are disabled.

LEARN MORE ABOUT DISABILITY INSURANCE

College Graduates Throwing Hats

College Savings Plan

You have the highest hopes for your children and all that they can accomplish in their lives. As such, you want to give them every opportunity to excel that you can, including access to the best education opportunities possible. However, when the time comes for them to pursue post-high school education, will they be able to afford to pay for that experience? With a college savings plan using life insurance, your child can be protected from education debt and allowed to focus on what their education will give them instead of what it will cost them.

LEARN MORE ABOUT COLLEGE SAVINGS PLANS

Retirement Income

While obtaining life insurance and/or disability insurance are important in terms of planning for events that you don’t look forward to but could happen, your retirement is something you plan for that you do look forward to happening. In planning for your retirement income you should focus on three things: your monthly retirement income is enough, your retirement income will last as long as you live, and that you have as much tax-free income as possible to protect against future tax increases. Ideal retirement planning should typically include multiple products, including annuities and life insurance.

LEARN MORE ABOUT RETIREMENT INCOME

Long-Term Care Insurance

You will spend years working, saving, and investing in preparation for retirement. When that day finally arrives where you can finally look forward to years of travel, activities, and everything else that you have been planning for, you do not want to lose all that money to pay for assisted living, nursing home, or home health care. However, an illness or injury in your later years can require this type of care, and the cost of these services can have a dramatic impact on your retirement savings. With long-term care insurance or life insurance, though, you can make sure that you can enjoy and afford your retirement years as well as leave a financial legacy behind.

LEARN MORE ABOUT LONG-TERM CARE INSURANCE

Life Insurance Planning Articles

Additional expert advice to help you with your insurance planning

Is This the Worst Financial Advice Ever? – Entrepreneur

Why following the common advice to buy term life insurance instead of cash value permanent life insurance may ultimately be a bad long-term financial decision.

Read More

6 Uses of Life Insurance in Financial Planning – Forbes

Life insurance plays an important role in a diversified and comprehensive financial plan. It’s important to understand ways life insurance can help you work toward your financial goals.

Read More

How to Find a Qualified Life Insurance Advisor – Forbes

All life insurance agents are not the same. Life insurance policies can be complex, so depending on your needs, you need an insurance agent who is qualified to help you find the right policy.

Read More

8 Ways to Save for Your Child’s College Education – US News

When it comes to saving for your children's college education, there are several options to consider. Whatever option you choose, you should create a college savings plan as soon as possible.

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Will the “Long-Term Care” Tax Be Coming to Your State Soon – Nasdaq

Many states have started to research and work towards implementing what's been termed a Long-Term Care Tax (LTC Tax). Learn more about this tax, how it could affect you, and how you may be able to opt-out of it.

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20 Largest Life Insurance Companies 2022 – NerdWallet

Here are the 20 largest life insurance companies in the United States based on market share for individual policies in 2021, according to S&P Global Market Intelligence.

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Average American’s Savings Account Balance is $4,500 – The Ascent

Every adult should have enough money to cover at least three months of living expenses but 36% of Americans don't have enough money to cover a $400 emergency.

Read More

More Financial Advisors are Turning to Insurance Products – CNBC

Economic and demographic shifts are making life insurance and annuities more attractive options for fixed income, financial advisors say.

Read More

Understanding Life Insurance

Life insurance is a financial protection policy for your family that gives them a tax-free cash payment should you die while the policy is in effect. It is a foundational part of any financial plan and could end up being the most important financial decision you ever make.

Term Life Insurance: This type of policy provides coverage for a specific length of time (a term). Term insurance is popular for providing the largest immediate death benefit for the lowest amount of premium.

Whole Life Insurance: This type of policy offers coverage for your whole life while it also accumulates cash value. The highest-rated companies offering whole life policies are mutual companies, owned by the policyholders, and pay dividends.

Universal Life Insurance: This type of policy offers flexibility in premium payments allowing you to pay more or less at different periods of time. It can also be used to accumulate cash value with or without involvement in the stock market or set-up as a non-cash accumulating policy to pay out no matter how long you live.

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What Is an Annuity?

An annuity is a type of life insurance policy that can be used to accumulate and distribute a lump sum of money as regular guaranteed income payments for a specific amount of time up to as long as you live.

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Understanding Disability Insurance

Disability Insurance will pay you a tax-free monthly benefit to provide for yourself and your family if you become disabled during your working years and are unable to continue in your employment. We offer numerous plans that can provide financial protection for you and your family should you suffer a disability before or after retirement.

Short-Term Disability Insurance: This type of disability policy has a waiting period of 0 to 14 days and a benefit period of 13 weeks to 2 years. While often offered as group coverage through an employer, individual policies are also available.

Long-Term Disability Insurance: This type of disability policy has a waiting period from several weeks to a year or longer. The benefit period can ranges from 6 months up to age 70. Long-term disability insurance is offered by several companies.

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What Is Long-Term Care Insurance?

Long-term care insurance pays a tax-free benefit to pay for nursing home, assisted living, or home health care should you become unable to perform two out of six activities of daily living without assistance. These activities include bathing, dressing, eating, toileting, transferring, and continence. Most long-term care services are generally not paid for by health insurance, Medicare, or Medicaid, so this benefit can protect you from having to use your retirement savings to pay for this kind of care, which can be extremely expensive.

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