The time to prepare for

the cost of long-term care is NOW

Living Happier While Living Longer

We Extend The Quality Of Your Life

It was the famous American architect Frank Lloyd Wright who said, “The longer I live the more beautiful life becomes.” Jim Better, CEO of Essential Plans of Insurance, couldn’t agree more! Our expertise will prolong your quality of life by relieving your family from the burden of caring for you and save your money for what it was intended: not nursing care.

  • Stay Home
  • Move in with family
  • Residential Care
  • Assisted Living
  • Nursing Home

For most of us, the process of enjoying life will inevitably become more challenging. Seventy percent of us will need help with our activities of daily living, hopefully, in our own home. Sometimes living with family. For others, in an assisted living community. Regardless, planning to protect you & your children is why you should call Essential Plans. Our expertise and experience with long term care funding will get you the right coverage at an affordable price.

Jim Better of Essential Plans of Insurance

Getting The Right Coverage Starts With Our More Thorough Evaluation Process.



Getting the right amount of coverage is just as important as getting the lowest cost policy from the best insurance carrier. At Essential Plans Insurance, we’ll recommend the right policy at the lowest price, based on your specific needs. That’s why our evaluation process takes into consideration your:

  • Age

  • Health

  • Family Situation

  • Household Financial Situation (including income, assets & liabilities)

  • Family Medical History

  • And Other Factors

These are the issues that impact our coverage and policy recommendations to ensure you have no less and no more insurance than you really need.

Remember too that all of your personal information is encrypted, is kept confidential, and is never shared with any outside person or business, other than the information required to process an actual LTC application with a recommended insurance provider. Your data will never be sold.


of us will need help with things like dressing, bathing, meal preparation and remembering. Family members often help out but that gets real old real fast. The experience can literally tear families apart.

The idea is to be smart about it:
Protect your money, avoid family turmoil, and be able to make choices for yourself.

The Time to Prepare is NOW!


From the Blog

long-term care insurance vs. medical insurance

Long-term care insurance vs. medical insurance

What’s the difference between long-term care insurance vs. medical insurance? Long-term care insurance is for people who develop permanent cognitive problems like Alzheimer’s disease or other chronic conditions who need help with basic daily tasks like bathing or...
about long-term care insurance

Three things about Long-Term Care Insurance (LTCI)

Three things that most people don’t know about Long-Term Care Insurance (LTCI) Here are three things that most people don’t know about long-term care insurance (LTCI). 1.   The focus is on home care benefits, not nursing homes. LTCI can cover nursing home and memory...
health insurance vs. long-term care

Planning Ahead: Health Insurance vs. Long-Term Care – Know the Difference!

Understanding the difference between Health Insurance vs. Long-Term Care for a Secure Future George, a 63 year old family man, asked me a question last week. He was under the impression, like many people, that his health insurance and, soon to be Medicare, covers long...
why long-term care insurance in 30 seconds

Relief from Financial Concerns with LTCI

Why Long-Term Care Insurance in 30 seconds with Jim Better: Long-Term Care Insurance provides a big financial boost for families so the focus can be on family matters instead of financial concerns. When you are ready to talk about your future financial security and...
love motivates long-term care insurance

Love motivates Long-Term Care Insurance.

Love motivates Long-Term Care Insurance Decisions. Here is a story about Jack and Jill and how love motivates them to purchase Long-Term Care insurance. Watch: When you're ready to speak with a Long-Term Care Insurance expert, schedule a call:...


The time to plan is NOW. Protect your money and unburden your family. Contact us today to get started.

Find Us

NH Office
875 Greenland Road B5
Portsmouth NH 03801

CA Office
4000 Long Beach Blvd
Suite 212
Long Beach CA 90807


Mobile: 603-964-2020

Talk to an Expert


Email Form

Please use the form below to send us an email. We will respond in most cases in less than 2 business days. Thank you.

Leave this field blank

Pin It on Pinterest

Share This