Annuities & Long-Term Care Planning in Norfolk, NE
Protect Your Future. Plan for Peace of Mind.
Financial Confidence Starts with a Plan
When you think about retirement, you want to feel secure—knowing your income is reliable and your care needs are covered. At Insurance 365, we help individuals and families in Norfolk, NE prepare for the future through smart annuity strategies and long-term care planning that prioritize stability, dignity, and peace of mind.
These aren’t just financial tools—they’re deeply personal decisions. That’s why we take the time to listen to your concerns, walk you through your options, and craft a plan that gives you lasting confidence in the road ahead.
What Are Annuities and Long-Term Care Plans?
These tools work together to protect your income and well-being as you age:
Fixed & Indexed Annuities
Convert savings into guaranteed monthly income, often for life. Ideal for those looking to replace a paycheck in retirement.
Immediate Annuities
Start receiving income right away, perfect for those already retired or needing a steady payout soon.
Hybrid Life + Long-Term Care Plans
Combine life insurance with built-in long-term care benefits, offering flexibility and dual protection.
Why Work With Insurance 365?
Local Experts. Real Conversations. Plans That Make Sense.
Independent & Unbiased Advice – We work with multiple carriers to find what’s truly best for you.
Personalized Planning – Your financial goals and health concerns guide every recommendation we make.
Clear, Compassionate Guidance – We explain complex topics in a way that makes sense—and feels human.
Annuities & Long-Term Care FAQs
What’s the benefit of using an annuity in retirement?
Annuities turn a portion of your savings into guaranteed income, helping ensure you don’t outlive your money. They provide peace of mind by offering a predictable stream of income—even if the markets fluctuate or your expenses rise.
How do I know if long-term care insurance is right for me?
If you want to protect your savings and reduce the burden on your family, long-term care insurance is worth considering. It helps cover the high cost of care services that Medicare often doesn’t, including in-home support, assisted living, and nursing facilities.
What is a hybrid long-term care policy?
Hybrid policies combine life insurance and long-term care benefits into one plan. If you never use the long-term care portion, your beneficiaries receive the life insurance payout. It’s a smart solution for those who want both types of protection in one product.
When is the best time to buy long-term care insurance?
The best time is typically between ages 50–65, when premiums are lower and you’re more likely to qualify based on health. Planning early means you’ll have more options and greater flexibility in choosing the right coverage.
Can I use annuities to pay for long-term care?
Yes, many people use income from annuities to help cover long-term care expenses. Some annuities even offer built-in care riders that increase payouts if care is needed. We’ll help you explore all your options.
