Hybrid life insurance with long-term care

Create a plan to help cover your long-term care costs today—while still protecting your family's legacy tomorrow.


Creating a plan today with protection for tomorrow

Health care, possibly including long-term care, may be one of your largest expenses and potential key risks when planning for retirement.

Many people think long-term care is only nursing home or end of life care – it is more than that. Long-term care actually encompasses a wide variety of different types of personal care services for short or long periods of time.

We believe that long-term care insurance should be evaluated as part of your overall financial plan because the costs of a long-term care event can place significant strains on you and your family's finances; as well as personal and emotional challenges.

As with other retirement planning you’ve done, long-term care should fit your personal situation. You’ll need to balance what you can afford, the kind of care you expect, and the risks you might face.

Thinking ahead can help reduce financial stress while giving you and your family peace of mind.

Learn more about long-term care

Long-term care planning (PDF)

Uncover the who, what, where, when, and how (much does it cost) of long-term care. 


Long-term care considerations and qualifications (PDF)

Learn more about considerations, qualifications, and questions as you think about including long-term care in your overall plan.


How long-term care planning can help your loved ones 

Discover the emotional and financial impact on caregivers and considerations for planning as a couple. 


Long-term care: cost options and considerations

Learn to navigate the costs, options to cover expenses, and insurance policy features.

Fidelity makes available long-term care planning solutions from Massachusetts Mutual Life Insurance Company (MassMutual), Nationwide Mutual Insurance Company (Nationwide®), and New York Life Insurance and Annuity Corporation (New York Life).

Why choose Fidelity

We have your back


Fidelity works with highly rated* insurance providers with extensive histories of serving clients.

We provide a service, not just a sale


We know that insurance can be confusing, so we will help you understand what option best fits your needs—not push you to make a purchase.

We're in this together


Our professionals will work with you so that insurance is part of your overall financial plan.



Have questions?

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Call 866-489-0963

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