The chance that you will need long-term care is high. According to the Health Insurance Association of America, the odds of a person's needing some form of long-term care is over 50% and persons age 65 face at least a 40% lifetime risk of entering a nursing home.

And the cost of nursing home care and home health care is soaring. According to the American Health Care Association, the national average cost of nursing home care in 1995 was $38,000. The U.S. General Accounting Office predicts that these costs will triple in the next 20 years.

Woodard Insurance helps you design a long-term care insurance program to protect your hard-earned assets from the financial devastation of long-term care. We work with several major long-term care insurers to find you the best value for your dollars.

Long-term care insurance is affordable, but it can be expensive or unavailable if you have health problems. If you have a health impairment, we negotiate aggressively with long-term care insurers to provide you with the best underwriting offer available.