For couples
Protect each other,
and what you've built.
When one spouse needs care, the other spouse's retirement is often what pays for it. A shared plan protects you both.
The hidden risk
The healthy spouse pays the price
A long care event for one spouse can spend down the savings the other spouse needs to live on for decades. Often the healthier spouse also becomes the caregiver, at real cost to their own health.
- Shared benefit pools either spouse can use
- Joint hybrid life/LTC policies with one premium
- Death benefit paid after the second spouse passes
- Options to cover a spouse who's harder to insure
Two separate policies vs one shared policy
| Two separate policies | One shared (joint) policy | |
|---|---|---|
| Benefit pool | Each spouse has their own | One pool either spouse can draw from |
| If one needs a lot of care | Limited to their own pool | Can use more of the shared pool |
| Cost | Two premiums | Often less than two separate policies |
| Death benefit | On each life | Typically paid at the second death |
Joint and shared-care options vary by carrier and state.
Your next step
See your numbers before you decide anything.
A free, no-pressure review. We'll compare asset-based long-term care options from top-rated carriers side by side, including what happens if you never need care.