Long Term Care Insurance


Families come in all shapes and sizes, but one thing’s for sure. Families care. Mothers and fathers, sisters and brothers, aunts and uncles may all live independent lives, but they share a unique family connection. Their lives affect each other. Maybe that’s why families are often drawn together in life’s significant moments.


How Long-Term Care Insurance Works

When the need for care first arises, you’ll probably turn to family members or friends. However, your needs may go beyond their ability to help – whether physically or financially. That’s where a long-term care insurance policy come in. Long-term care insurance allows you to get the care you need in the setting that’s right for you. 

child, family, love

Planning With Your Family In Mind

What does your family look like? Is it traditional, blended, or some variation? Family can be blood relatives or your circle of closest friends. Today, family is the people you care about, and people who care about you.
These people may be the first to see signs of your emerging need for care. They will probably also be the ones to contribute their time, skills, or support to help provide that care, at least initially. However, if your care becomes more demanding, they may need help.
A Long Term Care insurance policy can be an important step toward helping you and your family prepare for future changes – whatever your family looks like.

Your Future

 Who will take care of you if you’re unable to take care of yourself? What affect could your need for care have on your family?

Your Finances

Do you have sufficient income and assets to pay for your care? What long term care options are available?

Your Independence

What long term care options are available that might allow you to maintain as much of your independence as possible? How will you coordinate the long term care you need?

People value their ability to live as independently as possible,
and hope for that same independence for family members.

What Buying Now Means For You

The best time to buy a long-term care insurance policy is the day before you need it. Unfortunately, no one knows when that day will come. Purchasing a policy now ensures you have coverage in place down the road when the need for long-term care services arises. Buying now also may provide these advantages:

Applying for a long-term care insurance policy when you’re young and in good health may make it easier to qualify for coverage.
Because premium is based on your age at the time you buy your policy, every year you wait means the price increases.
Peace of Mind
An accident or prolonged illness can happen to anyone at any age. A longterm care insurance policy may help you rest easy knowing you’ll be able to get the care you need.

Connecting You to What Matters Most

If you’re considering a long term care insurance policy, you already know it may help:

  • Ensure you won’t have to rely on your family for care

  • Preserve your ability to remain at home so you can avoid going to a nursing home

  • Protect your retirement nest-egg from the high cost of long-term care services

When the time comes to use your policy, it’s good to have choices. That’s why it’s important that the long-term care insurance policy you select today is flexible enough to meet your needs tomorrow. 

A Policy You Can Build

Long Term Care insurance can provide customized coverage that may help you plan and manage your Qualified Long Term Care in a way that truly considers your individual need and the wishes of your loved ones. There are three steps to building your policy:
  1. Determine what benefit amounts are best for your goals and budget.
  2. Familiarize yourself with how the standard benefits of the policy may help you and your family be better equipped to provide care that considers both your needs and the desires of your family to help you address those needs.
  3. Select any optional benefits that can help provide additional coverage, such as the ability to share benefits with a spouse/partner6 or automatically grow your policy amounts to anticipate inflation.

Teresa D Mitchell

An Independent Agent serving Hillsborough County area and surrounding counties in Florida.

Also licensed in AL, AZ, CA, CO, FL, GA, ID, IN, LA, MS, NV, OH, OR, TN, TX, UT, WA.





+1-877-220-4944.                                                          +1-813-970-7200

My Mission

Teresa D Mitcchell  is your neighborhood agent that will help you wade through the many options and select products that are tailored to your needs and that don’t leave you either underinsured or over-insured.

We are dedicated to providing the highest quality customer service. You can rest “insured” knowing that your personal agent will be looking out for you when you need them.

Our work does not end when a policy is issued; but rather, we work continuously to provide you with personal assistance on any insurance needs