Call US Today ! (727) 207-3222Your Never More InsurableThan You Are Today! Long Term CareInsurance There is a 70% chance that you will need some type of LTC in your Lifetime. Actuarial facts now say Men will live to 84 years old and Women will live to 86 years old. The cost of a nursing homes or institutional care today is $90,000 a year with an expected minimum of an annual 3% inflation. Men average a 3 year stay and Women 3-5 years. Long Term Care Ins Long Term Care Ins Many Carriers are leaving this space because of rising costs. There are still carriers that offer traditional LTC. Some offer Hybrid policies that are Life Insurance with Critical Living Benefits. There is also the use of Annuities with Living Benefits. Trinity Insurance Consultants are brokers that have access to ALL Carriers.