“There are only four types of people in the world—those who have been caregivers,  those who currently are caregivers, those who will be caregivers and those who need caregivers”
Former First Lady, Rosalynn Carter

“If you haven’t allocated anything for long-term care, you’ve allocated everything”
Harley Gordon, Elder Law Attorney

“Having Adequate Long Term Care Insurance Is The Single Most Influential Determinant Of Whether An Individual Will Have A Financially Secure Retirement!”
Jack VanDerhei Ph.D., Employee Benefits Research Institute

The Overwhelming Statistics

Almost 40% of those receiving long-term care are working-age adults, 18 to 64

2 out of 3 over age 65 will need long-term care services in their lifetime.

Lissete Montes De Oca story

My mom, Ruth Braddock Story

Client Reviews

George does a great job explaining details and is generous with his knowledge, which makes one feel comfortable with the process. His vast experience in the field of long term care is very helpful.

Robbie Myers

I can highly recommend George Braddock for anyone interested in either investigating or applying for Long Term Care Insurance. My company offered Long Term Care as part of a employee benefits package, and George was extremely patient and customer focused as he explained the options. He went through each step of the application process with patience and care. His primary concern was our understanding of the options, not whether he “sold” us insurance. For any Long Term Care insurance products I believe George will look out for your best interest, and give you honest, direct and outstanding service.

Marcia and Ron

I’m new to the whole idea of Long Term Care. George did a great job explaining this insurance in a way that was very easy and helpful to understand. He had great answers for all my questions and was very patient with my wife and I as we took necessary time to consider how LTC would fit into our life style now and in the years still to come. George knows his stuff and I felt confident that George was interested in our needs and not just laying the groundwork to make a sale.

Gary Christensen

I thought that I was too young to be planning for long term care at age 52, but my financial advisor said that single women were at a higher risk, so she put me in touch with George; George was wonderful! He made sure that I understood how the policies worked, and even explained that I might not need as much coverage as I was asking for. I was able to look at his quoting software to find the best company for my needs. I am grateful to my financial advisor for putting me in touch with someone so knowledgeable and sincere.


George, I wanted you to know that it is a pleasure to be your Partner at LTCFP. You are very knowledgeable and helpful. It is an honor to call you “Partner”!

Janine Tate

I personally, and professionally, want to thank you for taking the time with Jane and me to explain our LTC options through your company. There certainly is a lot to go over, comprehend and decide on. Your thoroughness and detailed explanations on each item has certainly helped us to understand each of the many options related to LTC…So, thank you very much for a job so well done. We appreciate your time, and the opportunity to do business with you and the company(s) you represent.

Chris Ruffa

Not a single question unanswered. George gave an extremely thorough presentation to us on a topic on which we just were not well informed. We are now! We love the no pressure approach.

Dwight & Zannie Moss

I have never purchased anything like insurance over the internet from someone I had never met. George Braddock was great. He walked me through all of the steps involved, patiently answered all of my questions, eliminated my concerns and provided the information I needed to make an informed decision. To date, the results are so far so good. I haven’t had any reason to use the insurance yet or any complaints with the insurance and only cudos for George. You can’t go wrong with George.

Marti Bartlett


I have worked with George in bringing quality LTC coverage to our staff. He is completely knowledgeable on the topic and most important he is a person who really knows how to put everyone at ease talking about a difficult subject. I highly recommend him.

Elly du Pre


I was interested in purchasing a policy for Long Term Care insurance.  I put a request online for information and George was the first to contact me.  We worked together over the phone and by e-mail. He sent me information and we discussed different avenues.  Because of my medical history, not all companies would accept me.  But George kept working until he found the right solution for me.  I highly recommend working with George for your long term care needs.  He is customer friendly, responsive and cares about his customer needs.

Thanks for your assistance in obtaining our LTC policies. We had alot of questions and were quite apprehensive .You were able to answer our questions and overcome our anxiety. You have been a pleasure to deal with.

Richard & Joan O’Donnell

I was interested in learning about long term care & began searching the Internet for more info about it.  It was very confusing so when I happened on the website of George Braddock, long term care specialist it seemed exactly what I needed.  A specialist to walk me through the confusion of all the options available.  George knows about the ins & outs of many long term care policies, the pros & cons of each one.  He was helpful & knowledgeable through the entire process of finding the right plan for myself.  He has been a great resource for any questions or concerns.  I’m pleased with the long term care policy I selected with his assistance & very glad to have found his website that day. We were in close contact via phone & email which made it very convenient & comfortable making these decisions in the comfort of my own home .

Sharen O.

George Braddock Interviewed

Steve Moses speaks with George Braddock about his recent South Florida Senior Care Expo

 Call Us Today: 888-350-5423
Email: George@BraddockLongTermCare.com

Long Term Care Insurance

Long-Term Care—Prepare for the Future

You’ve worked hard to make sure that you have the financial security you want for you and your family. And, you’ve tried to prepare for the surprises that life may bring in the future. But even the most well-thought-out strategy may not be enough to prepare you for the unexpected costs associated with long-term care.

It’s easy to learn more about your options for protecting the people and things that mean the most to you. Our experienced agents can help you explore your coverage options and answer any questions you may have. 

To get started, request a consultation today. It’s free and there’s no obligation. By filling out the form, you’ll also receive a free guide to long-term care insurance

What Is Long Term Care Insurance?
Learn About Life Settlements

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Who Needs Long-Term Care?

With Americans living longer than ever, most of us will need some extra help with everyday activities as we age. The benefits of long-term care insurance go beyond what your health insurance may cover by reimbursing you for services needed to help you maintain your lifestyle if age, injury, illness, or a cognitive impairment makes it challenging for you to take care of yourself.

Long-Term care may benefit:

  • Families who want to help protect their loved ones, lifestyle and assets.
  • Retirees and Pre-retirees wanting to preserve the money they have worked so hard to save.
  • Individuals who may not have someone to care for them or significant assets to pay for these costs.

How Much Does Long-Term Care Cost?

It’s impossible to predict your chances of needing long-term care, or how long you may need it. And since the cost of care can be expensive, it’s important to understand the financial impact a few years of long-term care can have.

Home Care: The average in-home care costs $50,918 a year for 40 hours of help per week.

Assisted Living Care: A year in a 1-bedroom assisted living care facility averaged $57,000 per year.

Nursing Home Care: The average cost of a year’s care in a private Medicare-certified long-term nursing home room is $107,000

For the cost of care information in your area, please call or email us for a Quick Quote!

The Government and Long-Term Care

Many think that government programs such as Medicare and Medicaid will pay for all of their future long-term care needs. Surprisingly, they may only pay for some of these services and have many restrictions.

Medicare: May cover a maximum of 100 days of services after a hospital stay. Coverage is designed to assist people during a short-term recovery and doesn’t include personal care or supervision services.

Medicaid: If you have limited assets and income and are relying on Medicaid, the state may make key care decisions on your behalf, including where you receive the care you need.

George Braddock offers valuable resources to help you find the coverage that’s right for you. Call or email us to answer your questions and explore your options.


Long-Term care insurance is there when you need it in the future!

You want to live out the last days of your life as comfortably and with as much dignity as possible. Whether you prefer home health care or living in a nursing home, preparation can reduce the expense and burden of long-term care on your loved ones.


A long-term care insurance policy helps cover the costs of that care when you have a chronic medical condition, a disability or a disorder such as Alzheimer’s disease. Most policies will reimburse you for the care given in a variety of places, such as:

  • Your home
  • A nursing home
  • An assisted living facility
  • An adult daycare center


Considering long-term care costs is an important part of any long-range financial plan, especially for people in their 50s and beyond. Waiting until you need care to buy coverage isn’t an option. You may not qualify for long-term care insurance if you already have a debilitating condition. Most people with long-term care insurance buy it in their mid-40s to mid-50s, or buy it for a family member.

Whether long-term care insurance is the right choice depends on your situation and preferences. 

Ask us, we can help you discover what is right for you!

Can You Imagine?

It might be hard to imagine now, but chances are you’ll need some help taking care of yourself or a family member later in life. The big question is: How will you pay for it?

Buying long-term care insurance is one way to prepare. Long-Term care refers to a host of services that aren’t covered by regular health insurance. This includes assistance with routine daily activities, like bathing, dressing, or getting in and out of bed.

George Holmes Braddock  CLTC (Certified Long-Term Care)
and Life Settlement Specialist

George Braddock Long-Term Care Insurance is fully licensed to help you and your family achieve your long-term care needs!

Florida Insurance Agent Licenses:

  • #A028023 Insurance Agent
  • #0218 Life and Health Insurance
  • #0266 Viatical Settlement Broker