November is Long-Term Care Awareness Month; the perfect time to help clients think about what their future care could look like and how to protect their retirement plans from unexpected costs.
At KAFL, we’re here to help you turn these important conversations into meaningful planning opportunities. Whether your clients are thinking about care needs, retirement income stability, or legacy goals, there’s still time to make an impact before year-end.
Let’s make this season about protecting clients’ independence, assets, and families.
LTC: A Core Part of Retirement Planning
Many clients still view long-term care planning as optional — until it’s too late. Use this month to remind them:
LTC isn’t about risk — it’s about control. It lets clients choose where and how they receive care.
Modern solutions go beyond traditional LTC insurance. Life and annuity products with LTC or chronic illness riders can add flexibility and leverage existing assets.
The cost of waiting is real. Premiums, insurability, and plan options only get tougher over time.
Which long-term care option best fits your clients' goals?Review Options
We’ll help you run illustrations or find competitive carrier options for each client scenario.
Product Spotlight:
Nationwide CareMatters Annuity with LTC
Simplify care planning. Protect legacy. Offer flexibility.
As we enter Long‑Term Care Awareness Month, it’s a perfect time to position solutions that genuinely help clients protect their future care needs and their family’s legacy. The Nationwide CareMatters Annuity with LTC does exactly that: it combines annuity mechanics with long-term care (LTC) benefit capability, giving your clients a dual opportunity for growth and protection.
Key Features
Cash-Indemnity Benefit: Pays benefits upon qualifying LTC claim without requiring bills or receipts.
Flexible Use: Funds can cover home care, assisted living, or family caregivers.
Legacy Protection: Unused LTC benefits remain as a death benefit for heirs.
Guaranteed Structure: Locked-in premiums and benefits—no surprise increases.
Strategic Funding: An annuity-based LTC solution that supports broader wealth planning.
Prefer leveraging existing assets for care protection.
Value control, simplicity, and flexibility.
Motivated by both care coverage and legacy benefits.
Have savings or non-qualified assets for allocation.
Conversation Tips
Lead with choice & control: “What if you could pay a family member for care and still protect your legacy?”
Add year-end urgency: Review care plans before 2025 closes.
Highlight funding strategy: Reposition idle assets for better use.
Stress ease of documentation: No monthly receipts required.
Tie to broader planning: Asset preservation and retirement security.
Call to Action
Get an illustration: Reach outto Your KAFL Sales Team for Nationwide CareMatters Annuity with LTC.
Schedule reviews: Book a year-end meeting with clients to ask: “What happens if you need care?” and introduce this solution as a proactive alternative.
With the Nationwide CareMatters Annuity with LTC, advisors have a compelling tool to move the LTC conversation from fear to empowerment — enabling clients to plan for care and protect the legacy they’ve built. As year-end approaches, this is a timely opportunity to elevate client discussions beyond the traditional “risk of care” to a choice-driven plan for care, independence and family peace of mind.
Because this product is structured as a long-term care solution on an annuity chassis, specific training requirements must be completed before applying.
Now’s the time to help clients wrap up 2025 on the right note:
Review LTC and chronic illness riders on existing policies.
Address expiring term conversions and policy reviews.
Evaluate business owner buy-sell funding and key person coverage before year-end deadlines.
Discuss tax-advantaged premium payments for LTC policies (especially for business clients).
🗓️ Let’s make Q4 conversations count. Our advanced planning and case design teams can help you structure solutions that close gaps and strengthen client plans before the year ends.
Carrier Highlights & Upcoming Webinars
Securian's Long-Term Care Awareness Month Launch Center :Click Here
The Importance of Long-Term Care in Retirement Planning:Watch Here
MassMutual - Long-Term Care Awareness Toolkit:Access Here
Promoting Long-Term Care Awareness Month:Access Here
By 2030, individuals aged 65 and older will make up roughly 20% of the US population, with 56% expected to require some form of long-term care. While Medicaid can help pay for long-term care, it generally only kicks in after you’ve spent-down virtually all assets. Long-term care policies help your clients keep pace with the rising costs of long-term care expenses, protect their assets, and provide peace of mind.
LTC underwriting focuses on morbidity, whereas Life underwriting focuses on mortality. Some key differences from an underwriting perspective are:
Cognitive impairments (cognitive screenings are required for certain applicants based on age).
Ability to perform activities of daily living (ADLs): transferring, bathing, dressing, incontinence, eating, and toileting.
Ability to perform instrumental activities of daily living (IADLs): shopping, meal preparation, housework, laundry, managing money, taking medications, mobility, transportation.
Musculoskeletal issues, such as osteoporosis, which may result in falls or fractures.
Current or recent physical therapy
Iatrogenic drug reactions, which are common in the elderly.
Combination medical histories such as diabetes with obesity.
When completing a long-term-care application, your clients can expect a telephone interview or a face-to-face medical interview/cognitive screening, age dependent. A Paramedical exam with labs and APS is also typically required, based on age and face amount.
November is National LTC Awareness Month and is the perfect time to connect with your clients to discuss their LTC plans.
At KAFL, we believe great things happen when you plan ahead—whether it’s for the perfect Halloween costume or a client’s long-term care strategy. Our team (and their families!) had a blast celebrating together, showing off their spooky creativity and team spirit.
Now, as we shift from costumes to client conversations, we’re carrying that same energy into Long-Term Care Awareness Month. Just like a well-planned Halloween brings smiles all around, thoughtful LTC planning helps protect clients’ futures and bring peace of mind for the years ahead.
📸 Scenes from our Halloween celebrations; where planning ahead is all part of the fun!
Need Support? We’re Here.
Whether it's product positioning, case design, or helping you close that one big case — we're your team behind the scenes.
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