Plan for the unexpected
Long-Term Care Insurance
Long-term care insurance helps pay for the cost of nursing homes, assisted living, and in-home care, protecting your retirement savings from being wiped out by care expenses.
The Cost Medicare Will Not Cover
About 70 percent of people over 65 will need some form of long-term care. Medicare covers less than 9 percent of nursing home expenses nationwide. The average cost of nursing home care in Arizona runs $7,600 a month and climbing. Without a plan, the cost lands on family members, who either pay out of pocket or become unpaid caregivers themselves. Long-term care insurance closes that gap before the crisis arrives.
About 70 percent of people over 65 will need some form of long-term care. Medicare does not cover it. The question is not whether to plan for it, but how.
The Coverage Options We Compare
We help you evaluate every type of LTC coverage and recommend what fits your situation. The policy types each have tradeoffs.
- Traditional LTC policies, straightforward coverage with the lowest premium but a use-it-or-lose-it design
- Hybrid life-and-LTC policies, a death benefit if you do not need care and an LTC pool if you do
- Partnership policies, state-recognized policies that provide additional asset protection if you ever need ALTCS
- Multi-carrier shopping, comparing premium, benefit period, daily benefit, and inflation rider across the strongest insurers
- Estate-plan coordination, aligning the policy with your trust, your retirement plan, and your spouse's coverage
Why It Matters
The belt-and-suspenders approach is to purchase coverage while you are healthy enough to qualify and, when the time comes, make sure you receive every benefit you are entitled to under Medicare and Medicaid. Waiting until a diagnosis often means coverage is no longer available at any price.
About 70 percent of people over 65 will need some form of long-term care. Medicare does not cover it. The question is not whether to plan for it, but how.
Who You Work With
Licensed, Credentialed, and on Your Side
Your plan is only as strong as the people behind it. The advisors below are the licensed agents and consultants who design, place, and service your coverage.
Chris Cohan
CEO | ChFC®, RMA®
ChFC® · RMA® · Series 6, 63, 65 · AZ Life & Health
With over 25 years in financial services and deep Arizona roots, Chris takes a steady, thoughtful approach to wealth and estate planning. As a Chartered Financial Consultant® (ChFC®) and Retirement Management Advisor® (RMA®), he helps individuals and families build, protect, and transfer wealth through personalized strategies.
View ProfileStephen Levin
Tucson Director of Risk Management | Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Stephen brings a background in risk management to his role at RJP, where he helps Tucson-area families protect what they've worked so hard to build. Before transitioning into estate and insurance planning, he spent years in risk-management leadership, learning how to spot vulnerabilities and build strategies that hold up when it matters most.
View ProfileRon Tallou
Wealth Management Advisor, Fiduciary
Series 6, 63, 65 · Licensed Insurance Agent
Born and raised in Michigan, Ron developed a strong work ethic and deep appreciation for community values early in life. These formative experiences ignited a lifelong passion for wealth management, ultimately shaping his career in finance.
View ProfileThomas Fryar
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
As a financial services professional since 1978, Thomas has developed risk-managed retirement income and estate-transfer strategies that help clients protect lifetime cash flow, provide for surviving spouses or special-needs family members, and pass wealth efficiently across generations. His four decades in life insurance and planning inform a disciplined, education-driven approach to protecting family assets.
View ProfileLenny Trujillo
Senior Planning Consultant | CLDP | Licensed Insurance Agent
Certified Legal Document Preparer (CLDP) · Licensed Insurance Agent
For more than 25 years, Lenny has helped Arizona families sit down at the kitchen table and finally make sense of retirement, trusts, and what happens to everything they've worked for. A Certified Legal Document Preparer and licensed life and health insurance agent, he walks clients through revocable living trusts, special needs planning, powers of attorney, and insurance-based asset protection in plain English. Clients consistently describe him as patient, warm, and genuinely interested in their story, the kind of advisor who'll pause the paperwork to hear about the grandkids before getting back to the signatures.
View ProfileRalph Abate
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Drawing on more than 30 years in insurance and retirement-income planning, Ralph structures tax-efficient wealth-transfer and protection solutions for RJP clients. His analytical approach and coaching style help households understand complex options and make informed decisions.
View Profile
Client Testimonials
Common Long-Term Care Insurance Questions
Answers to the questions Arizona families ask most about long-term care insurance.