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Long-Term Care

Our Digital Advisor will match you with the perfect long-term care solution in just minutes so you can live worry free.

Don't burden your family or drain your savings. Get protected.

What is long-term care?

Long-term care is the umbrella term for services that can help you perform daily living activities, like eating or bathing, when you are unable to do them by yourself, so you can maintain a good quality of life. These are usually provided in one of three main settings: your home, an assisted living facility, or a nursing home.

Seventy percent meter

of us will need long-term care in the future1

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There’s no time like the present

Long-term care is expensive, and the sooner you buy protection, the less expensive it will be. Getting protection NOW while you’re younger and healthier is the only way to ensure you and your loved ones aren’t burdened with huge care costs in the future.

Medicare and health insurance don’t cover long-term care services, so without protection, you’ll be forced to tap into your savings to pay for them.

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of people rely on family members or friends for care services2

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National average for assisted living facilities per year3

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of family members or friends use their own savings to help pay for care4

The cost of long-term care

While it's hard to know what kind of care you may need in the future, it's a good idea to familiarize yourself with your care options5, so you are prepared when the time comes.

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In Home Care

$54,000

Annually

Professional aides come to your home to assist with daily living activities such as bathing and getting dressed along with other tasks that may need to be done around the house.

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Assisted Living Care

$51,000

Annually

Assisted living facilities have a home-like feel while providing more hands-on care if needed. They are more flexible and allow for a more independent lifestyle than nursing homes do.

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Nursing Home Care

$105,800

Annually

Nursing homes provide lodging and assistance for those that require around-the-clock care. Skilled nurses and nursing aids provide an array of medical care and physical therapy services.

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Long-Term Care Solutions

provided by Everdays

Our long-term care solution is a life insurance policy with a built-in feature that let’s you access up to 95% of the policy value (or up to a max of $150,0006) to help pay for the high costs associated with long-term care, should you need it.

With this protection in place, you’ll have money available for long-term care without having to burden your family or burn through your retirement savings.

And because its a life policy, any unused portion goes to your beneficiaries7.

You can plan ahead for your for long-term care costs today and still be able to leave money behind for your loved ones, creating a lasting legacy – a true win-win!

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Additional Policy Benefits:

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No medical exam required

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Payments never increase

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Coverage starts immediately

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No restrictions on use of funds for long term care needs

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30 day money-back guarantee

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Exclusive Bonus:

All policy holders get Everdays Prime for free, a savings of $99 a year!

Most of all, it makes financial sense.

Let’s put it into context.

A 60 year old woman with a $175,000 policy would pay only $32,000* after 15 years, but would have access to $150,000 to cover her long-term care costs if she needed it, and $25,000 for her heirs.

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The Everdays Difference

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Smarter

We are not your typical advisor. Our Digital Advisor uses powerful AI to recommend the coverage that’s best for you, not a solution based on the commission the advisor gets. And it’s always free! Now that’s smart.

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Faster

We give you customized solutions through a smooth buying experience so you can get protected in just minutes, 100% online 24/7/365. (But if you need help, we have our customer solutions team ready to assist.)

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Stronger

Our Digital Advisor has learned from thousands of people like you. Along with your current financial status, we’ll show you how to brighten your outlook. And there’s no risk to you with our 30 day-money back guarantee.

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We’re here to help!

Just because you’re online doesn’t mean you’re going it alone! Our expert solutions team is here to answer any questions you may have.

Still want to learn more?

Here are some articles that can help.

image respresenting How Much Does Assisted Living Cost? resource

How Much Does Assisted Living Cost?

image respresenting The Pros and Cons of Long-term Care Insurance resource

The Pros and Cons of Long-term Care Insurance

image respresenting End-of-Life Planning Checklist & Complete Guide resource

End-of-Life Planning Checklist & Complete Guide

image respresenting How Does Long-term Care Insurance Work? resource

How Does Long-term Care Insurance Work?

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© 2023 Everdays, Inc. All rights reserved.

The Everdays mark and the Everdays logo are registered trademarks of Everdays, Inc.
This app is owned and operated by Everdays, Inc., a Delaware corporation doing business in California as Everdays Moments Insurance Marketing.

MI license #012475; CA license #6000079

Talk to our care team

Our team is always here to guide you through the process and answer any questions.
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care@everdays.com
© 2023 Everdays, Inc. All rights reserved.

The Everdays mark and the Everdays logo are registered trademarks of Everdays, Inc.
This app is owned and operated by Everdays, Inc., a Delaware corporation doing business in California as Everdays Moments Insurance Marketing.

MI license #012475; CA license #6000079

Disclaimers

*Sample cost based on 60 year-old female, non-smoker, with a $175,000, 20 year Easy Term Life policy.

Easy Term Life Insurance (Policy Form No. 16-3320) is underwritten and issued by American-Amicable Life Insurance Company of Texas / Occidental Life Insurance Company of North Carolina / Pioneer American Insurance Company and is distributed by Everdays, Inc. Issuance of coverage for Easy Term Life Insurance is subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions and exclusions. Product provisions, availability, definitions and benefits may vary by state. Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

  1. U.S. Administration for Community Living: https://acl.gov/ltc/basic-needs/how-much-care-will-you-need
  2. U.S. Administration for Community Living: https://acl.gov/ltc/basic-needs/who-will-provide-your-care
  3. Rounded 2020 price as reported by Genworth Cost of Care Survey, conducted by CareScout®, November 2021 https://www.genworth.com/aging-and-you/finances/cost-of-care.html
  4. 2021 Beyond Dollars Study: How Caregiving Impacts Family, Community and Society
  5. Rounded 2020 price as reported by Genworth Cost of Care Survey, conducted by CareScout®, November 2021 https://www.genworth.com/aging-and-you/finances/cost-of-care.html
  6. Chronic Illness Accelerated Death Benefit Rider — Policy Form No. 3579. If a licensed physician provides the Company a written statement attesting that you have become permanently unable to perform at least two (2) of the Activities of Daily Living (ADL) such as eating, toileting, transferring (moving into and out of a bed, chair or wheelchair), bathing, dressing, or continence then the Company can accelerate the death benefit and pay a percentage to the Owner of the policy. There is an administrative charge of $100 and the maximum benefit available cannot exceed 95% of the total death benefit or a total of $150,000. This rider is added to every policy (where available) at no additional premium. See policy for complete details.
  7. Policy must be active for beneficiaries to receive unused death benefit.

The acceleration-of-life-insurance benefits offered under these riders may or may not qualify for favorable tax treatment under the Internal Revenue Code of 1986. Whether such benefits qualify depends on factors such as your life expectancy at the time benefits are accelerated or whether you use the benefits to pay for necessary long term care expenses, such as nursing home care. If the acceleration-of-life-insurance benefits qualify for favorable tax treatment, the benefits will be excludable from your income and not subject to federal taxation. However, acceleration-of-life-insurance benefits payments may be taxable by your state. Tax laws relating to acceleration-of-life-insurance benefits are complex. You are advised to consult with a qualified tax advisor about circumstances under which you could receive acceleration-of-life- insurance benefits excludable from income under federal law. Receipt of acceleration-of-life-insurance benefits may affect your, your spouse's or your family’s eligibility for public assistance programs such as medical assistance (Medicaid), Aid to Families with Dependent Children (AFDC), supplementary social security income (SSI), drug assistance or other public assistance programs. You are advised to consult with a qualified tax advisor and with social service agencies concerning how receipt of such a payment will affect your spouse’s or your family’s eligibility for public assistance.