For clients preparing for retirement, it’s easy to often focus on market returns, income strategies, and tax efficiency. But there’s one risk that can derail even the most carefully built financial plan: the cost of long-term care.
That’s where Mutual of Omaha’s Long-Term Care Insurance fits in—as both a financial safeguard and a smart planning tool.
LTC Costs Are the “Hidden Risks” in Retirement
It’s no secret: health care is one of the biggest expenses in retirement. But long-term care—whether it’s in-home assistance, assisted living, or nursing care—is often underestimated.
Clients may assume Medicare or health insurance will cover it. It won’t.
And once care is needed, assets can quickly be depleted, leaving a spouse or children to shoulder the burden. That risk alone makes LTC insurance a core part of risk management in retirement planning.
How Mutual of Omaha Adds Value
Mutual of Omaha offers LTC products that appeal to financially savvy clients who want to protect assets and preserve control over their care:
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Inflation protection options
Keeps benefits relevant as care costs rise—important for clients buying coverage in their 50s or early 60s. -
Partnership-qualified policies
Available in many states, allowing clients to protect more of their assets from Medicaid spend-down rules. -
Custom benefit design
Allows clients to align coverage with the rest of their retirement plan—whether they’re prioritizing monthly income, legacy preservation, or spousal protection. -
Stable, experienced carrier
Mutual of Omaha is a name clients trust with their long-term planning.
Position LTC insurance not as a standalone product—but as a foundational component of retirement income planning. Most affluent clients have financial advisors; speak their language and show how LTC coverage can help preserve portfolio longevity and estate plans.
View:Positioning LTC Insurance as a Key Part of Retirement Planning
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