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Long-Term Care

Most of us will need some form of long-term care in the future. Protecting against the high cost of care shouldn't be complicated or break the bank.

The Everdays long-term care solutions are the most affordable and robust solutions available today!

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What is long-term care?

Long-term care (LTC) 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 invest in a long term care insurance solution, 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.

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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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Rely on family members or friends to pay for care4

The cost of long-term care options

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

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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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Everdays

Long-Term Care Solutions

Traditional long-term care insurance can be complicated and expensive. We fixed that.

Our solution is an innovative term life insurance policy that includes powerful built-in living benefit features designed to give you access to money for long-term care.

There are no medical exams required, your coverage starts immediately, and because it’s term life, it’s the most affordable way to get long-term care coverage.

Premium long-term care benefits included in this policy:

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Long-Term Care Protection

Access up to 95% of the policy’s total death benefit (or up to a max of $150,000) to help pay for the high cost associated with long-term care if you are unable to perform at least two Activities of Daily Living.6

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Nursing Home Protection

Receive up to 2.5% of your policy’s death benefit every month (up to a max of $5,000 per month) to help cover the high costs associated with being a permanent resident at a nursing home facility.7

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Terminal Illness Protection

Access up to 100% of the policy’s death benefit to help protect against the financial hardships associated with a terminal illness diagnosis.8

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Additional Policy Benefits:

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Payments never increase

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Easy benefits payout with no restrictions on use of funds for long term care needs

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30 day money-back guarantee

More benefits and 57% less expensive!

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Everdays Term Life Solution9

Traditional Long-Term Care10

$1,873 per year

Cost

$3,300 per year

$175,000

Coverage Amount

$165,000

$150,000

Available LTC Coverage

$165,000

$25,000 - $175,000

Money left for your beneficiaries

$0

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 $28,000* after 15 years, but would have access to $150,000 to cover her long-term care costs due to a chronic illness, if she needed it, and $25,000 for her beneficiaries.

How it works

We hold your hand every step of the way.

Our online platform effortlessly guides you through a step-by-step process to determine your insurance coverage needs and provide a personalized solution that you can buy securely online in just minutes.

The Everdays Difference

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Expert Advice

We use powerful AI to recommend the insurance solution that’s best for you - and it’s always free.

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Unique Solution

We have products to fit all coverage needs because there’s no such thing as a one-size fits all policy.

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Easy Purchase

We provide a smooth buying process that takes just minutes 100% online - 24/7/365.

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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 annual cost of $1,873 paid for 15 years for a 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. With this benefit a portion of the death benefit can be accelerated early if an authorized physician certifies that the Proposed Insured is Chronically Ill. Chronically Ill defined as: 1) Becoming permanently unable to perform, without substantial assistance from another person, at least 2 Activities of Daily Living (eating, toileting, transferring, bathing, dressing, and continence) for a period of at least 90 consecutive days due to loss of functional capacity; or2) Requiring Substantial Supervision for a period of at least 90 consecutive days by another person to protect oneself from threats to health and safety due to Severe Cognitive Impairment. The Chronic Illness must have occurred after the effective date of the rider. Under the terms of this rider, the Policy Owner can request to receive portions of the death benefit (minimum of $1,000) up to 25% and as often as one time per calendar year. An administrative fee of $100 will be assessed at the time of each acceleration. These requests can be made up to a maximum equaling 95% of the policy death benefit or a maximum amount of $150,000. The cash value (if any), the amount available for loans (if any), and the premium for the policy will decrease in proportion to the amount of the benefit paid. This rider is automatically added to policies (where available) and requires no additional premium. The payment of the accelerated benefit will reduce the life insurance proceeds by the amount of the benefit paid. Remember the disclosure statement Form No. 3579-D must be presented to the applicant at point-of-sale. Rider not available in all states.
  7. Confined Care Accelerated Benefit Rider - Policy Form No. 9674 (AA, OL, PA, PS); AB301 (IAA). With this benefit, if you are confined to a nursing home at least 30 days after the policy is issued you can receive a monthly benefit of 2.5% of the face amount per month up to $5,000. The cash value (if any), the amount available for loans (if any), and the premium for the policy will decrease in proportion to the amount of the benefit paid. This rider (where available) is added to policies issued at no additional premium. The payment of the accelerated benefit will reduce the life insurance proceeds by the amount of the benefit paid. Remember the disclosure statement Form No. 9675 (AA, OL, PA, PS); AB502 (IAA) must be presented to the applicant at point-of-sale. (Rider not available in CT, DC,IN, MA, NJ, VA, & WA)
  8. Terminal Illness Accelerated Death Benefit Rider - Policy Form No. 9473 (AA, OL, PA, PS); TIA302 (IAA); In CA Form No. 3575. With this benefit you can receive up to 100% of the death benefit of the policy if diagnosed as Terminally Ill where life expectancy is 24 months or less (12 months in some states). This rider is added to every policy (where available) at no additional premium. An Actuarial Adjustment Factor and an Administrative Charge of $150 will be assessed at the time of acceleration. Remember to leave disclosure statement Form No. 9474 (AA, OL, PA, PS), TI501 (IAA), or 3575-D in CA, with the applicant at point-of-sale. For California, please refer to Form No. 3672-CA for rider details.
  9. Sample Term Life annual cost based on 60 year-old female, non-smoker, with a $175,000, 20 year Easy Term Life policy.
  10. Sample traditional long-term care cost based on 60-year old female, select health, with a $165,000 benefit that includes an assumed growth of 2% annually. https://www.aaltci.org/long-term-care-insurance/learning-center/ltcfacts-2021.php#2021costs

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.