Secure Your Independence.
Compare Top Long-Term Care Insurance Options.
Unbiased advice on traditional and hybrid LTC policies to protect your assets and dignity.
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Understanding Long-Term Care
What it covers, when it’s needed, and how the underwriting process actually works.
Asset Protection
Financial strategies that shield your savings, home, and inheritance from care costs.
Hybrid vs. Traditional Plans
Side-by-side comparisons of asset-based hybrid LTC and traditional standalone policies.
State Guides
Find LTC rules, Medicaid partnership programs, and carrier availability in your state.
Talk to a Licensed LTC
Specialist Today
Get straight answers, no seminar pitch — just a broker who answers his own phone.
Call UsTestimonials
“I thought comparing long-term care policies would take weeks. This made it simple and I finally feel protected.”
“The hybrid policy comparison was exactly what I needed. No pressure, just clear numbers side by side.”
“Straightforward advice on protecting our savings for long-term care. Highly recommend this resource.”
Flexible Funding Options
Choose the payment structure that works best for your financial situation
Lump Sum Premium
Most PopularA single, one-time payment that secures your long-term care coverage for life.
- Single premium — no ongoing payments
- Up to 3-5x leverage on your premium
- Ideal for non-qualified funds ($150k-$200k recommended)
- Works with qualified funds (IRA/401k) for couples ($250k-$300k)
- Tax-free long-term care benefits
- Never lose your money — death benefit for heirs
Monthly Premium
FlexibleSpread your payments over time with manageable monthly premiums.
- Available through Nationwide and Mutual of Omaha
- Lower initial outlay — pay as you go
- Full hybrid coverage with death benefit
- Guaranteed fixed monthly premium
- Tax-free LTC benefits when needed
- Great for budget-conscious planning
Pay to 95
OneAmericaPay premiums until age 95 with OneAmerica’s popular pay-to-95 option.
- Exclusively through OneAmerica — not Nationwide
- Pay monthly or annually until age 95
- No lump sum required — keep your capital
- Full long-term care and death benefit coverage
- Ideal for younger buyers (40s-60s)
- Premium stops at 95 — coverage continues
Meet Dan Walsh
Dan Walsh is the founder of MD Life Insurance and has been helping families protect their futures for nearly three decades. He specializes in hybrid long-term care solutions and works with top carriers including OneAmerica, Nationwide, and Mutual of Omaha.
Dan’s approach is simple: listen first, then recommend. He takes the time to understand your unique circumstances, goals, and concerns before ever suggesting a product. His reputation is built on trust, not on selling the policy that pays the highest commission.
Whether you’re looking for a lump sum premium, monthly payments, or OneAmerica’s pay-to-95 option, Dan can help you find the right solution for your situation and budget.
📧 dwalsh@mdlifeins.com | 📍 Serving clients nationwide