As producers, you’re increasingly meeting clients in their 40s, 50s, and 60s who are caught in the “sandwich generation”—supporting aging parents while still helping adult children financially. These dual responsibilities are creating financial pressure, emotional burnout, and uncertainty about how to plan for their own future care needs.
This is where long-term care insurance becomes more than a policy—it becomes a multigenerational planning tool.
Without a plan for long-term care, the financial burden often falls on adult children, usually your client. From unpaid caregiving to covering home health costs out-of-pocket, families are absorbing the impact of rising care costs. According to our latest cost-of-care study, the national median cost of a private room in a nursing home is over $9,000 per month.
Mutual of Omaha’s traditional long-term care insurance provides a clear, customizable solution. Key advantages include:
- Flexible benefit options tailored to a variety of budgets
- Shared care riders for couples—ideal for planning together
- Cash benefit options for informal caregiving flexibility
- Strong claims reputation and financial stability
Our LTC solution is built to help your clients protect not only themselves but also their children’s financial futures.
Supporting the Sandwich Generation: How LTC Insurance Protects Multi Generational Wealth
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