Did you know….

Did you know…


A life insurance policy can pay for long term care expenses.

Life Care Funding allows a senior to convert the death benefit of a life insurance policy into a Long Term Care Benefit Plan which is paid monthly to the care provider of their choice.

Life insurance can be converted into a Long Term Care Benefit Plan that will pay for the cost of skilled nursing, assisted living, or home health care directly every month.  The Benefit is specifically designed to address an immediate need to pay for long term care services.  Any type of life insurance can qualify, and there are no fees or obligations to apply.

Converting a life insurance policy is a Medicaid qualified spend down of the policy and preserves a portion of the death benefit for the family.  After years of premium payments, many policy owners will allow a policy to lapse or surrender it for any remaining cash value.  This is a big mistake when the same policy could be converted to pay for the costs of long term care and funeral expenses.

2011-2012 National Average Costs of Long Term Care

  • Skilled Nursing Facility $87,235

  • Assisted Living Facility $41,724

  • Skilled Alzheimer’s Unit $91,615

  • Home Healthcare $43,065

Frequently Asked Questions

Is Life Care Funding a LTC insurance policy?

NO.  It’s a Long Term Care Benefit Plan administered by a third party on behalf of the insured and family with the payments sent every month directly to the provider of long term care services.

Are there any fees charged or premium payments?

NO.  There are no fees or obligations to apply and no more premium payments due on the policy.

Are funeral expenses covered?

YES.  A funeral benefit is paid to the family.

What type of life insurance policies qualify?

All types of in-force life insurance qualify including Term, Universal, Whole, and Group.



What type of care will the Benefit cover?

  • Nursing Home
  • Assisted Living
  • Assisted Living
  • Hospice Care
  • In Home Nursing/Health Care

More information and application available online at www.lifecarefunding.com

Or contact a Life Care Funding representative at 888-670-7773.

About Life Care Funding

Founded in 2007, Life Care Funding assists people in need of funds to cover the costs of senior housing and long term care.  Working with over 4,000 Senior Living and Long Term Care providers across the US, LCFG originated and is the market leader of converting the death benefit of an in-force life insurance policy into a Long Term Care Benefit Plan to cover the costs of skilled nursing home care, assisted living, home health care, and hospice.

Assisted living communities, nursing homes, retirement communities, home healthcare providers and senior care advisors offer Life Care Funding to families’ every day.  Their national education campaign has brought awareness about this important financial option to millions of people across the United States.

About Cleansing Water, Inc.

Cleansing Water, Inc. is a Warrenton, Virginia home health care agency offering professional geriatric care and serving seniors, individuals recovering from surgery, individuals with long-term disabilities, and other clients throughout Fauquier, Culpeper, Gainesville, Haymarket, Middleburg, Prince William, Rappahannock and other Piedmont Virginia communities. We provide in-home companions, certified nursing assistants, and geriatric care managers to assist with the tasks of daily living, monitor health and medications, and ensure clients are well cared for, physically, mentally, emotionally and spiritually.

For more information about Cleansing Water’s short-term and long-term home health care services, Call (540) 341-0212 or our toll-free number, (866) 294-4665, to schedule a consultation and discuss your geriatric care and home health care options. You can also visit CleansingWater.com for more information