Hybrid life insurance | Long-term care plan

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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.

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 (PDF)

Learn more about questions and considerations 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.

What is long-term care (1:04)

Fidelity makes available long-term care planning solutions from Massachusetts Mutual Life Insurance Company (MassMutual) and New York Life Insurance and Annuity Corporation (New York Life). For more information on what is available in your state, please call 866-489-0963 or schedule an appointment to speak with a Fidelity financial professional.

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?

Talk to a Fidelity financial professional

Call 866-489-0963

Visit us in person

Find an Investor Center

* As of March 7, 2023, Massachusetts Mutual Life Insurance Company and New York Life Insurance and Annuity Corporation both have an A.M Best rating of A++ (Superior) and a Standard & Poor's rating of AA+ (Very Strong). Financial strength ratings are opinions from independent rating agencies of an insurer’s financial strength and ability to pay its insurance policies and contract obligations. They are not recommendations to purchase, hold, or terminate any insurance policy or contract issued by an insurer, nor do they address the suitability of any particular policy or contract for a specific purpose or purchaser. Ratings range from A++ to F for A.M. Best ratings, and AAA to CC for Standard & Poor's ratings, and are subject to change. For the latest ratings and definition of ratings, access www.ambest.com and www.standardandpoors.com.

The products and/or certain features may not be available in all states.

The purpose of this material is the solicitation of insurance and an agent/producer may contact you.

Some insurance products available at Fidelity are issued by third-party insurance companies, which are not affiliated with any Fidelity Investments company. These products are distributed by Fidelity Insurance Agency, Inc. A contract's financial guarantees are solely the responsibility of and are subject to the claims-paying ability of the issuing insurance company.

Fidelity insurance products are issued by Fidelity Investments Life Insurance Company (FILI), 900 Salem Street, Smithfield, RI 02917, and, in New York, by Empire Fidelity Investments Life Insurance Company^®, New York, N.Y. FILI is licensed in all states except New York. Other insurance products available at Fidelity are issued by third party insurance companies, which are not affiliated with any Fidelity Investments company. Fidelity Insurance Agency, Inc. is the distributor. A contract's financial guarantees are subject to the claims-paying ability of the issuing insurance company.

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< Life insurance and long-term care overview

Creating a plan today with protection for tomorrow

Learn more about long-term care

Why choose Fidelity

Have questions?

Mutual Funds and Mutual Fund Investing - Fidelity Investments

Hybrid life insurance with long-term care

< Life insurance and long-term care overview

Creating a plan today with protection for tomorrow

Learn more about long-term care

Why choose Fidelity

Have questions?

New to Fidelity?

Already working one-on-one with us?