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You've Spent a Lifetime Building It. Let's Make Sure a Health Crisis Can't Take It Away.
Long-term care costs can quickly erode the retirement savings you've spent decades building. Jeung Agency helps you plan ahead — independently and without bias — so your family doesn't have to make difficult decisions under pressure.
The Numbers Most People Don't Talk About
Long-term care isn't just a health decision—it's a financial one. Here's what the data shows:
$100,000+
Average annual cost of private nursing home room
Medicare
Does NOT cover most long-term care expenses
70%
​Of Americans over 65 will need some form of long-term care
Your Plan
​Determines whether costs come from savings or family
3-5 Years
Average length of long-term care needed
Without Planning
​Families make difficult decisions under pressure
Sources: U.S. Department of Health & Human Services, Genworth Cost of Care Survey
A Fiduciary Approach to Long-Term Care Planning
Most big banks and wirehouse advisors are limited to the products their firm sells. At Jeung Agency, we're independent — which means we work with multiple carriers and solutions to find what's actually right for you, not what's right for a quota.
Traditional LTC Insurance
Standalone policies designed specifically to cover home care, assisted living, and nursing home costs. Pure protection for long-term care needs.
Hybrid Policies
Life insurance or annuity products with a long-term care rider — your money works double duty, providing both protection and legacy planning.
Asset-Based LTC Strategies
Using existing assets to self-fund a LTC plan in a tax-efficient way. Ideal for those with substantial savings who prefer flexibility.
Spousal & Family Planning
Protecting both partners without over-insuring or leaving one person exposed. Helping families understand roles and responsibilities.
We don't sell one solution. We help you find the right one.
You Might Be Ready for This Conversation If…
This isn't about age or income—it's about mindset. If any of these resonate with you, now is the time to plan.
→ You're in your 40s, 50s, or early 60s and haven't addressed LTC in your financial plan yet
→ You've watched a parent or family member go through a long-term care situation and don't want your family in the same position
→ You have retirement assets worth protecting and want a plan before you need it
→ You're not sure whether insurance is right for you — or which type makes sense
→ You want an honest, pressure-free second opinion on what you already have
→ You're concerned about protecting your spouse and family from financial hardship
Simple Steps. Real Results.
People delay LTC conversations because they feel complicated. Here's what actually happens when you reach out.
Free 30-Minute Review
We talk through your current plan, your health situation, your family dynamics, and what you're trying to protect. No forms. No pressure.
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Personalized Analysis
We evaluate your options across multiple carriers and strategies — insurance, hybrid policies, and self-funding approaches — and come back with a clear recommendation.
A Plan You Understand
​We walk you through every option in plain language. You decide what's right. We implement it and continue to manage it as your life changes.
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What Our Clients Say
"Stephen helped us understand that we weren't just buying insurance—we were protecting everything we'd built. The peace of mind is worth every penny."
— Jennifer & Michael, Los Angeles
"We thought we had a plan, but Stephen showed us gaps we never would have caught. His honest approach made all the difference."
— Robert, Santa Monica
Testimonial Disclaimer: Past results are not representative of future outcomes. Client testimonials may not be representative of all client experiences.