01
In-home care
Assistance with daily activities like bathing, dressing, and meal preparation in the comfort of your own home.
Long-term care
Planning for care before you need it.
Protect your savings, your independence, and your future with long-term care insurance. Today's plans offer more flexibility than ever, allowing coverage to be tailored to your lifestyle, goals, and budget. We'll help you explore your options and create a plan that supports your preference for care, whether at home or in a care facility. With extensive industry experience, Pearl is committed to helping you find the protection that's right for you.
Talk with Pearl
The best time to plan is before you need it.
Most people wait too long to think about long-term care.
Long-term care coverage is most accessible — and most affordable — when you plan ahead. A conversation with Pearl can help you understand what long-term care insurance covers, what it costs, and whether it makes sense for your situation.
What long-term care insurance covers
Support for the care you may need later.
Long-term care insurance can help cover costs that health insurance and Medicare typically do not — including extended care at home, in an assisted living facility, or in a nursing home.
02
Assisted living
Residential care facilities that provide support with daily living while maintaining a level of independence.
03
Nursing home care
Skilled nursing and around-the-clock care for those who need a higher level of medical support.
04
Memory care
Specialized care environments designed for individuals living with Alzheimer's disease or other forms of dementia.
Things worth thinking through
Long-term care planning is personal.
There is no single right answer for everyone. Pearl takes time to understand your health history, family situation, and financial picture before discussing coverage options.
Your current age and health status affect eligibility and premiums
Family history of chronic illness or cognitive decline is worth factoring in
Existing savings and retirement income shape how much coverage makes sense
Your preference for care setting — home, facility, or both — matters
Grace Path Benefits
Have a conversation about long-term care planning.
Whether you are just starting to think about it or ready to compare options, Pearl is here to help.