Protect Your Future Independence
Personalized planning that protects your assets and independence, designed around how you actually want to receive care.
The Peach Insurance Difference
No comparison engine, no call-center hand-off. The Life is Peachie process is how every plan gets built.
01 / Qualify
Health, care preferences, and what your plan needs to do.
02 / Design
Traditional, hybrid, or asset-based — matched to your finances.
03 / Place
We work underwriting on your behalf for favorable terms.
04 / Steward
Reviews as care costs and circumstances evolve.
A Primer
Coverage for the help you may need with everyday living — at home, in assisted living, or in a nursing facility — without spending down what you've built.
Care settings
Why it matters
Dedicated long term care policies. Premiums paid through life of the policy.
Life insurance with LTC benefits. If care isn't needed, heirs receive a death benefit.
Standard life insurance with an LTC rider drawing from the death benefit.
Benefits for needs up to a year. More affordable, easier to qualify for at 60s–70s.
From $25/month.Indicative entry-level pricing for short-term care at a younger age. Premium scales with age, health, benefit period, and inflation protection — talk to us for an accurate quote. We help match the structure to your situation.
Three reasons, grounded in numbers most households underestimate.
Care isn't a fringe scenario. For most Americans living into retirement, it's a basic need to plan for.
Planning early is the difference between options and obligations.
70%
of people over 65 will need some form of long term care during their lifetime.
Without coverage, care costs come straight out of the assets you spent a lifetime building.
As of 2026, private nursing rooms in major metros routinely exceed $130,000.
$100K+
average annual cost of a private nursing home room in the U.S., before extras.
Medicare doesn't cover ongoing care, and Medicaid requires spending most of what you've saved first.
Over 80% of care is delivered by unpaid family members.
0%
of long term care needs are meaningfully covered by Medicare, contrary to what most people assume.
Each story below is one situation we worked through, in the order we worked through them.
Couple held a $100,000 non-qualified annuity, worried about tax consequences when drawing for care.
We were able to provide a solution that turned all their gains into tax-free LTC benefits while preserving the original $100K for their heirs if care was not needed.
Retired executive frustrated with required minimum distributions creating unwanted taxable income.
We provided a solution offering unlimited tax-free LTC benefits while reducing his RMDs and minimizing taxes.
Previous applications rejected by multiple carriers due to cancer history and ongoing conditions.
We identified carriers with more favorable underwriting for cancer survivors and secured a specialized policy with a rated premium — comprehensive coverage where there had been none on offer.
Middle-income family wanted to protect assets but had a limited monthly budget for premiums.
We designed a shared-care policy that pooled benefits between spouses, lowering cost without lowering coverage, with inflation protection so benefits keep pace with rising care costs.
After being told by another agent that I was uninsurable due to my health history, Peachie found me a long term care solution that protected my retirement savings. Her understanding of different carriers' underwriting preferences was the difference-maker.
The team at Peach Insurance showed us how to convert an old annuity into long term care protection, something we didn't know was possible. We now have peace of mind knowing we won't burden our children if we need care in the future.
As a fee-only financial advisor, I partner with Peach Insurance for my clients' long term care planning needs. Their creative solutions and deep product knowledge consistently provide value that goes beyond traditional LTC insurance approaches.
Six answers, ranked by what people ask first.
A thirty minute conversation with Peachie. Plain language, no quotas, no follow-up calls.
Talk to Peachie