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

Ned's Long-term care story

Long-Term Care Story: Ned

Ned's Long-Term Care Story Ned's Long-Term Care story: Ned and I have had a business/ friendship relationship for more than 10 years. We’ve served on boards together and share social events with our spouses and talked about our children. We always seemed to enjoy each...
long-term care conversation

How to Start the Long-Term Care Conversation with Family

Bridging the family conversation gap: How to start the family long-term care conversation The Nationwide Retirement Institute recently shared results from their Long-Term Care Consumer Survey of US adults ages 25+ with investible assets of $50k. Today, about one out...
long-term care insurance: best decision

Long-Term Care Insurance: The Best Decision Not Enough People are Making

Long-Term Care Insurance: Best Decision Jim Better recently participated in an interview by Tanner Gish, CDP, MA of Loving Homecare Inc. about Long-Term Care Insurance: Best Decision Not Enough People are Making. Here are the questions asked and Jim's responses: Q:...
pay for long-term care

Getting Older, Going Broke: Who’s Going to Pay for Long-Term Care?

Getting Older, Going Broke: Who’s Going to Pay for Long-Term Care? Employer-based health insurance doesn’t cover daily, extended care. Medicare pays for only a short stay in a nursing home or a limited amount of care at home. Ninety percent of Americans don’t have...
The State of Long-Term Care Financing

The State of Long-Term Care Financing

Find out what you need to know. Talk with an expert today:


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


Toll Free: 833-902-2020
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.

"*" indicates required fields


Pin It on Pinterest

Share This