Long-Term Care Insurance in Santa Rosa, CA
Protecting Your Future Quality of Life
Long-term care insurance helps cover the costs of extended care that aren’t typically included in health insurance or Medicare — such as help with daily activities, home health aides, assisted living, or nursing care. Without protection, these expenses can quickly erode savings and put stress on your family.
At Biaggi Life, we help individuals and families in California find the right long-term care solutions tailored to their needs and budget.
Types of Long-Term Care Coverage
We offer access to a wide range of LTC solutions, including:
- Traditional LTC Insurance – Provides dedicated coverage for long-term care expenses with customizable benefit periods, daily benefit amounts, and inflation protection.
- Hybrid Life/LTC Insurance – Combines life insurance with long-term care benefits. If you need care, the policy pays for it. If you don’t, your family receives the death benefit. These plans can also allow you to surrender for cash value. (See Hybrid Life/LTC brochure, p.1 – ideal for ages 40–65, with flexible premium options and inflation growth benefits).
- Short-Term Care Insurance – Designed to provide coverage for up to 12 months of care, helping fill gaps in Medicare or health insurance and protecting savings during shorter recovery periods.
This mix of options gives you flexibility — whether you want affordable short-term coverage, comprehensive traditional protection, or a hybrid plan that ensures benefits are never “wasted.”
Benefits Of Our Long-Term Care Insurance Coverage
Financial Security
Helps protect your savings and retirement assets from the rising costs of care.
Choice of Care
Benefits can be used for home care, assisted living, nursing facilities, or even overseas care (hybrid LTC allows cash benefits for professional or family caregivers).
Flexible Premium Options
Choose between single-pay, limited-pay, or ongoing premium structures. Many hybrid plans guarantee premiums will never increase.
Partner Benefits
Couples can purchase individual policies with discounts, or share a joint policy.
Inflation Protection
Optional riders help your benefits keep pace with rising care costs.
Peace of Mind
Coverage ensures you won’t be a financial burden to loved ones, and that you’ll have access to quality care when needed.
Why Work With Biaggi Life?
As a licensed independent agent-broker, we compare top carriers and plan designs to help you:
- Understand the differences between traditional, short-term, and hybrid LTC options.
- Tailor coverage to your personal financial goals and health situation.
- Lock in affordable rates before age and health make coverage more difficult.
We go beyond just setting up a policy — we’re here to answer questions, help with claims, and ensure your coverage continues to meet your needs over time.
Take The Next Step
GET IN TOUCH TODAY
Don’t wait until care is needed to think about coverage. The best time to put long-term care insurance in place is while you’re still healthy.
Contact Biaggi Life today to schedule your no-obligation consultation and discover the right long-term care solution for you.
