Long Term Care Lightbox

About the Author:

Jason Stolz, CLTC, CRPC, DIA, CAA and Chief Underwriter at Diversified Insurance Brokers (NPN 20471358), is a senior insurance and retirement professional with more than 25 years of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, Group Health, Travel Medical and Evacuation Insurance, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.

His practical, education-first approach has earned recognition in publications such as VoyageATL, and contributions from his agency featured in Kiplinger and GoBankingRates— highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient. Visitors who want to explore current annuity rates and compare options across multiple insurers can also use this annuity quote and comparison tool.

Last Reviewed: September 26, 2025  |  Reviewed by: Jason Stolz, CLTC, CRPC, DIA, CAA
Chief Underwriter, Diversified Insurance Brokers, Inc.  |  NPN: 20471358  |  Diversified Insurance Brokers, Inc. — Licensed in all 50 states

Fact Checked by: Tonia Pettitt, CMIP©
Medicare Specialist, Diversified Insurance Brokers, Inc.  |  NPN: 14374308  |  Diversified Insurance Brokers, Inc. — Licensed in all 50 states

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Understanding Your Long-Term Care Insurance Options

Most people do not plan for long-term care until they need it — and by then, options are limited and costs are far higher. Choosing the wrong LTC structure, or buying from a single carrier without comparing the market, can mean inadequate coverage when it matters most. Working with an independent long-term care insurance broker gives you access to every available option across the market. Jason Stolz (CLTC, CRPC, DIA, CAA) has over 25 years of experience helping individuals and families plan for long-term care — comparing traditional, hybrid, and asset-based solutions across dozens of carriers to find the right fit for your health, budget, and legacy goals. Connect with Jason before costs or health changes limit your options.

LTC Solution Type Premium Structure Death Benefit Best For
Traditional Standalone LTC Annual or monthly; subject to rate increases None Maximum LTC benefit pool at lowest initial premium; those comfortable with use-it-or-lose-it structure
Hybrid Life / LTC Single premium or limited pay; guaranteed level Yes — if LTC benefits unused Those who want LTC coverage with a legacy component; guaranteed premiums; no rate increase risk
Hybrid Annuity / LTC Single premium lump sum Yes — remaining account value Repositioning existing assets; those who prefer not to lose premiums if care is never needed
Short-Term Care (STC) Annual or monthly; typically lower cost None Those who cannot qualify for traditional LTC; bridge coverage for a shorter care need
Life with Chronic Illness Rider Part of life insurance premium Yes — accelerated from death benefit Those who want life insurance as the primary goal with LTC access as a secondary benefit
Medically Enhanced Annuity Single premium lump sum; income amount determined through medical underwriting based on health condition Yes — remaining account value depending on structure Those with qualifying health conditions who can leverage their medical history to receive significantly higher guaranteed income payments than a standard annuity would provide; some contracts also include nursing home waivers that increase income or eliminate surrender charges if the annuitant requires facility-based care

Note: LTC product availability, underwriting standards, and benefit structures vary significantly by carrier and state. An independent broker compares all available options to find the structure that fits your health profile, budget, and planning goals.