Plan for the unexpected
Long-Term Care Insurance
Compare long-term care insurance with a licensed Arizona agent. Review premiums, benefit limits, waiting periods and care costs you may still need to pay.
Planning for Care Costs
The cost of care depends on where you live, the help you need and how long you need it. Ask local providers for dated quotes that specify the care setting, services and hours. Long-term care insurance can help pay for covered care, but eligibility rules, waiting periods and benefit limits apply. You may still need savings or income for costs the policy does not pay.
Medicare does not cover ongoing custodial care, such as help with bathing or dressing. Limited skilled care may be covered when Medicare's requirements are met.
The Coverage Options We Compare
Our licensed Arizona agents help you compare available long-term care policies. Look at what each policy pays, what it excludes and whether the premiums fit your budget over time.
- Traditional LTC policies, standalone care coverage. Premiums vary by applicant and benefits and may increase. Unused coverage generally has no payout unless the contract includes that feature.
- Hybrid life-and-LTC policies, life insurance with care benefits, subject to eligibility rules and limits. Care payments can reduce the death benefit. Any remaining payout depends on the contract's terms and the policy staying in force.
- Partnership policies, qualifying coverage may allow some assets to be disregarded when AHCCCS assesses ALTCS eligibility. Other eligibility rules still apply; buying a policy does not guarantee approval.
- Multi-carrier shopping, comparing available insurers' premiums, covered services, waiting periods, benefit amounts and duration, and inflation protection. An inflation feature may not keep pace with actual care costs.
- Estate-plan coordination, aligning the policy with your trust, your retirement plan, and your spouse's coverage
Why It Matters
Age and health can affect eligibility and premiums. A diagnosis can limit your options, but approval depends on the insurer and policy. Compare what you can afford now and later, including possible premium increases and care costs beyond the policy's limits. RJP's role is licensed-agent insurance comparison, not ALTCS eligibility planning or applications. AHCCCS determines eligibility for ALTCS.
A policy can help fund covered care. It cannot promise to preserve all of your savings. Review the limits and the costs that would remain yours before you decide.
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
Series 65 · 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 ProfileChris Zajdzinski
Wealth Management Advisor, Fiduciary | Licensed Insurance Agent
CLU · Series 6, 63, 65 · Fiduciary · AZ Life & Health
With more than 30 years of experience in financial services, Chris is dedicated to helping individuals and families make informed, confident decisions about their financial future. As a Wealth Management Advisor and Fiduciary, he works closely with clients to understand their concerns and offers guidance tailored to their unique needs and priorities. His experience includes retirement income planning, risk management, and estate and legacy planning.
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 ProfileDimitri Redwood
Wealth Management Advisor, Fiduciary | Licensed Insurance Agent
Series 7 · Series 6 · Series 63 · Series 65 · Fiduciary · Licensed Insurance Agent
Dimitri works with Tucson-area families on the financial side of estate planning, helping clients think through how to protect what they've built and pass it on the way they want. With six years of experience as an advisor, including time at an investment firm, he brings a practical perspective to every conversation. He takes time to listen first, then walks each family through their options in plain language so they can make decisions with confidence.
View Profile
Client Testimonials
Common Long-Term Care Insurance Questions
Answers to the questions Arizona families ask most about long-term care insurance.