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LONG-TERM CARE PLANNING

What happens to everything you've built if you need care?

Most people spend a lifetime building wealth, then lose it all in the final chapter.
Marty Levy helps you protect everything you’ve worked for with a guaranteed long-term care strategy that covers all three possible outcomes. No matter what.

Get Your Free LTC Analysis
See The Perfect LTC Solution™
of people turning 65 today will need some type of long-term care
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Annual cost today for a private nursing room in LA, rising to $288K by 2043
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of those who need care will need it for more than 5 years
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  • California is expected to mandate LTC coverage or impose a payroll tax, just like Washington State already has. Planning now protects you from both.
The Problem

Why long-term care is the #1 retirement threat most people ignore

It’s uncomfortable to think about. But ignoring it doesn’t make the risk go away, it makes the consequences far worse.

  • There is no federal safety net Medicare does not cover long-term custodial care. Medicaid requires spending down nearly all assets first. The financial responsibility lands entirely on you and your family.
  • Costs are rising faster than inflation LA-area home health care costs are projected to nearly double, from $84,656 to $148,445 per year, by 2043, using a conservative 3% annual growth rate.
  • Your family pays the price 83% of care provided to older Americans comes from unpaid family members. 75% of all caregivers are women who sacrifice careers, health, and their own financial futures.
  • The window to plan is closing Insurability declines with age and health. The LTC insurance market has dramatically shrunk, only a handful of strong carriers remain, and the best products won't last.

"Most people spend all their lifetime savings in the last 5% of their lives."

Long-term care isn’t just a health crisis. It’s a financial wipeout. The average care event depletes retirement savings faster than any market downturn, and unlike a market crash, there is no recovery.

Possible duration of care needed

Under 2 yrs
33%
2–5 years
47%
5+ years
20%
That 20% = potentially $500K–$1M+ in out-of-pocket exposure.
LA Area Cost Reality

What care actually costs in Los Angeles, now and in 2043

Real figures from the Genworth/CareScout 2024 Cost of Care Study for the Los Angeles region.

Type of Care

Annual Cost (2024)

Annual Cost (2043)

5-Year Exposure (Today)

Home Health Aide (44 hrs/week)

$84,656

$148,445

$423,280+

Homemaker Services (44 hrs/week)

$84,656

$148,445

$423,280+

Assisted Living — Private 1 Bedroom

$83,664

$146,705

$418,320+

Nursing Home — Semi-Private Room

$126,655

$222,090

$633,275+

Nursing Home — Private Room

$164,250

$288,013

$821,250+

If You Don't Plan

Three outcomes no one plans for,
but everyone should

Without a long-term care strategy, these consequences are not hypothetical. They happen to real families every single day.

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Asset Depletion...

A lifetime of disciplined saving and investing can vanish within 2–3 years of a serious care event. Portfolios, retirement accounts, and real estate equity are all at risk and there's no recouping them.

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Family Burden

More than 3 million children and teens in the U.S. currently serve as caregivers. 75% of all adult family caregivers are women who sacrifice careers, savings, and their own well-being in the process.

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Loss of Choice...

Without financial resources, you lose the ability to choose your care setting, your providers, or your level of dignity. Medicaid-funded care typically means institutional settings with few personal options.

The Perfect LTC Solution™

A guaranteed strategy built for
three possible futures

The plan Marty Levy recommends is built on one powerful idea: no matter what happens, you win.

This is a Hybrid LTC plan, long-term care coverage built inside a life insurance chassis. Offered through CorpStrat with a 140-year-old, A+ rated carrier holding over $86 billion in assets. It delivers guaranteed lifetime benefits with a no-lose financial structure.

  • You need care: Receive a guaranteed monthly benefit paid for as long as you, and your spouse, are alive. For life. No expiration.
  • You never need care: The policy pays a lump-sum death benefit to your heirs, completely income tax-free. Your planning becomes a legacy.
  • You change your mind: Walk away at any time and receive most or all of your premiums back. Your cash value is guaranteed, it cannot disappear.
Start Your Free Planning Session

Everything Guaranteed

  • Flexible Outlay
  • Annual, 10-pay, 20-pay, or single lump-sum. Fully redeemable cash value.
  • Use Care
  • Monthly Benefit Payments for 6 years to a lifetime.
  • Walk Away
  • Quit at any time and receive your guaranteed cash value back.
  • Death Benefit
  • Tax-free lump sum paid to your heirs if care is never needed.
  • Health is the gating factor.
  • This plan requires medical underwriting. If you're healthy today, the time to act is now. Once a health condition develops, you may no longer qualify, and this opportunity closes permanently. Don't wait for "someday."
The Longevity Wake-Up Call

You will probably live much longer than you think

A 2023 Wall Street Journal analysis found that most Americans dramatically underestimate their lifespan, and pay a steep financial price for that miscalculation.
Chance that at least one member of a healthy 65-year-old couple will still be alive at age 95, that's 30 years of potential care exposure. (MIT economics research)
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Probability a healthy nonsmoking woman born in 1965 has of reaching age 90, per actuarial projections from the Society of Actuaries.
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Of Americans age 80+ rely on Social Security for over 90% of their income, because they outlived their personal savings and investments.
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"The chance you might live a very long time in retirement and run out of money is something we haven't focused enough on at all."
— Olivia Mitchell, Wharton School, University of Pennsylvania
About Marty

I help people address the hard question: "What happens if…?"

I’ve spent over 30 years helping business owners and professionals in Southern California protect what they’ve built. I’ve seen what happens when a care event strikes a family without a plan, and I’ve seen the extraordinary peace of mind when one does.

Long-term care planning is one of the most important, and most overlooked conversations in financial planning. My goal is to make it simple, give you real numbers, and put a strategy in place that guarantees something good happens no matter what the future brings.

If you’ve never had “The Conversation” about what happens if you or your spouse need care, I want to have it with you, at no cost, no obligation, and no pressure.

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Years of 
Experience
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Professionals Counseled

MDRT

Million Dollar Round Table Member
Martin Levy
Take The First Step

Your window to plan is open.
Don't wait until it closes.

A free, no-obligation LTC analysis takes 30 minutes and gives you a clear picture of your exposure, and your options. No cost, no pressure, no commitment.

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Book a Free Call

Schedule a 30-minute conversation with Marty to walk through your specific situation and goals.

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Get Your Analysis

Marty runs the numbers for your age, health, and LA-area costs so you can see your real exposure.

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Get a Guaranteed Plan

Walk away with a strategy that protects your assets, no matter which of the three outcomes unfolds.

Or visit MartyLevy.com/consult | CA License #0635753 | Completely confidential. No obligation.