Larry Wells
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Long-Term Care Insurance

Plan Ahead with Confidence

Why Long-Term Care Insurance Matters

With rising healthcare costs and increased life expectancy, planning ahead is more important than ever. Long-term care insurance helps cover the cost of assisted living, home care, or nursing facilities—protecting your savings and providing peace of mind for you and your loved ones throughout retirement.

The Challenge of Rising Care Costs

Without proper coverage, families face significant out-of-pocket expenses for services like home care, assisted living, or nursing facilities. Long-term care insurance helps turn these unpredictable expenses into manageable premiums, protecting both your savings and peace of mind.
Ongoing help at home for bathing, dressing, or mobility can add up quickly without insurance support.
The cost of long-term facility care may drain retirement funds if not covered by a dedicated policy.
Without coverage, your family could face emotional and financial pressure trying to afford proper care arrangements.

Best Time to Purchase Long-Term Care Insurance

Eligibility for long-term care insurance depends on age, health, and medical history. Applying in your 50s or early 60s often means lower premiums and better options. Waiting can lead to higher costs or denial. A financial planner can help you choose the right timing and coverage to protect your future.
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Tailored Long-Term Care Insurance Solutions

We offer long-term care insurance plans tailored to Florida retirees, covering home care and facility-based services. Hybrid policies with life insurance benefits offer flexibility, asset protection, and peace of mind as needs change.
Home care and adult day care
Stay independent longer with coverage for professional caregivers, rehabilitation, and daily living assistance right in the comfort of your home or a community-based setting.
Assisted living and skilled nursing
Receive support when moving into a licensed facility, with help for personal care, medication management, and 24-hour skilled medical services when needed.
Inflation protection riders
Receive support when moving into a licensed facility, with help for personal care, medication management, and 24-hour skilled medical services when needed.

A Simple Process to Secure Your Long-Term Care Coverage

Getting the right long-term care insurance doesn’t have to be complicated. Our step-by-step approach ensures you’re guided with clarity and confidence from evaluation to enrollment.
Assess Your Needs
Understand your current finances, health status, and long-term care goals to determine the right level of coverage for your future.
Compare Plans
Compare plans by evaluating premiums, benefit periods, and riders to find the ideal balance between coverage, flexibility, and long-term affordability
Apply with Confidence
Work with local specialists who simplify the paperwork and help you select a plan that fits your lifestyle, budget, and care preferences.

Why Work With Us?

We specialize in long-term care insurance for Florida retirees, with a deep understanding of The Villages community. Our local advisors offer personalized guidance to help you navigate options, secure the right coverage, and manage benefits over time.
Personalized Care Planning
We take time to understand your care goals, lifestyle preferences, and financial situation—then recommend tailored solutions that offer both flexibility and protection.
Expertise in Long-Term Care Needs
From home care to assisted living, we know how to align policies with evolving healthcare needs and ensure you’re covered when it matters most.
Partnerships with Trusted Carriers
We partner with top-rated insurance providers to deliver competitive pricing, dependable coverage, and lasting peace of mind for you and your family

Average Cost and Financial Planning for Long-Term Care Insurance

Understanding long-term care insurance costs is key. Factors like policy type, inflation protection, and future care needs impact pricing. A financial planner can help align coverage with your retirement goals.
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Benefits Beyond Coverage

Comprehensive long-term care insurance policies go beyond basic medical support. These added features help residents of The Villages maintain dignity, independence, and control as their care needs evolve over time.
Tax-deductible premiums
Many long-term care policies may qualify for tax deductions—helping reduce your annual tax burden while planning responsibly for future healthcare needs.
Estate protection
Protect your assets from high care costs, helping preserve your legacy for loved ones or charitable causes through smart, long-term care insurance planning.
Non-medical service support
Coverage often includes help with daily activities like bathing, meal preparation, and transportation—supporting quality of life at home or in a facility.

Adapting Your Lifestyle with Long-Term Care Insurance

With the right coverage, residents can access support like home care or assisted living—maintaining independence and financial stability as care needs change throughout retirement.
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Frequently Asked Questions

What age should I consider buying long-term care insurance?
Most experts recommend purchasing between ages 50–65, while premiums are lower and coverage easier to obtain.
It depends on your needs. Traditional, hybrid, and partnership policies each offer unique advantages.
Medicare only covers limited short-term skilled care. Long-term custodial care is typically not included.
In many cases, yes—especially for seniors who itemize medical expenses. Consult a tax advisor.
Anyone who wants to protect assets, maintain control over care choices, and reduce burden on loved ones.

Are we a good fit?

Find out if we’re a good match for your financial planning and investment management needs. We offer a free, no-obligation consultation to help us get to know each other. We can meet by phone, in-person, or online.
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501 County Rd 466 Suite 201 Lady Lake, FL 32159 (Sable Palms)
  • wellslarry232@gmail.com
  • 352-561-2050
  • 501 County Rd 466 Suite 201 Lady Lake, FL 32159 (Sable Palms)
  • Office Hours: 9:00 AM- 5:00 PM EST

For over 40 years, Larry Wells has devoted his life to helping others as a Baptist minister and a trusted insurance professional.

Larry was ordained into the ministry in 1974 and faithfully served Southern Baptist churches for more than two decades. His calling to serve eventually led him into the insurance industry, where he’s continued his mission: to care for people and provide peace of mind during life’s most important decisions.

He served with Ameri-Life Corporation for ten years, being named Agent of the Year in 2004, and later opened his own successful business in The Villages, Florida. Despite personal health challenges that required a brief pause in his career, Larry’s commitment never wavered. Today, he works from his home office, providing personalized care to clients, new and old.

Larry’s approach is simple: listen well, serve with honesty, and treat every client like family.

“I pray over the work I do because I know it matters. Helping people is both my business and my calling.”

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