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Custom long-term care planning

Curated long-term care insurance options, at your request and with your input. Cassandra shops every top carrier to find the right coverage, company, and premium.

Will you need long-term care?

56.4%
Overall
63.7%
Women
48.6%
Men

22.1% of all 65-year-olds are projected to have long-term care lasting more than five years.

Trusted & endorsed:
10+ YearsIn the Industry
CLTCCertified
RamseyTrusted Pro
State PartnershipCertified
ALL 50 States and D.C.Licensed
2026 CLTC Trailblazer AwardRecipient
ILTCI and IndustrySpeaker
Cassandra Watson, CLTC
Meet your specialist

Cassandra Watson, CLTC

Cassandra founded NextGen Long-Term Care Planning in 2014 with the unique perspective of having grown up in the industry. She's directly contracted with the leading insurers, so when LTC insurance makes sense for you, she guides you through an honest comparison of every top carrier's rates.

Her mission is simple: educate first, so you can make an informed decision.

Read Cassandra's story →
“A good agent can make a world of difference for people and their families when they need care.”

– Cassandra Watson

Why long-term care insurance?

Any retirement strategy should include a plan to protect assets and ease the burden care places on family.

Protect your assets

Keep the retirement savings you worked for from being drained by the cost of extended care.

Ease the family burden

Give loved ones the freedom to be family - not full-time caregivers - when care is needed.

Compare every carrier

One unbiased shop across all the top insurers to find your best coverage and premium.

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Long-term care information by state

Find the current average cost of long-term care in your state (or a state you may move to in the future). Discover if your state participates in the Long-Term Care Partnership Program, available tax incentives, and the Medicaid spend-down requirements.

A simple, no-pressure process

01

Request your quote

Share a few details about your health and goals - it takes two minutes.

02

We shop the market

Cassandra compares rates across every top carrier for your situation.

03

Choose with confidence

Review a clear side-by-side and decide on your terms - no obligation.

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Ready to see your options?

Free, no-hassle, and shopped across every top carrier.

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