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.

Learn More

Jim Better of Essential Plans of Insurance

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

GET THE COVERAGE YOU NEED

NO MORE. NO LESS.

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

Primary Reasons Why People Choose Long-Term Care Coverage

Understanding the Primary Reasons Why People Choose Long-Term Care Coverage from Essential Plans After looking at the people who bought their long-term care coverage from Essential Plans, these are their primary reasons: - Adult children putting a parent into care:...

Empty Nesters’ Epiphany: Taking Control of Their Future Through Planning

A Common Long-Term Care Story Bill and Melinda (not Gates) are near their mid-50’s and very happy with their respective carriers. Melinda has risen to the director level in the Alzheimer’s Association and Bill’s accounting practice continues slow and steady growth....

Assured Protection for Life’s Uncertainties with Hybrid Long-Term Care Insurance

Exploring the Benefits of Hybrid Long-Term Care Insurance Long-term care insurance is a valuable form of coverage that helps protect individuals and their families from the potentially high costs of long-term care services, such as nursing home care or in-home...

The Future of Nursing Homes: A Looming Crisis

The future of nursing homes. You say you don’t want to end up in a nursing home? Be careful what you wish for. There may be none left when you need one. Imagine a future where nursing homes are scarce resources, few and far between. It may be a shocking thought, but...

Is Long-Term Care Insurance Worth It?

Is long-term care insurance worth it? Long-term care insurance is absolutely worth it. It's the best way to cover the sky-high costs of long-term care. Long-term care is not a bridge you want to simply cross when you get there. You need a plan. The best people to...