Life & Long-Term Care Insurance

HomeInvest, Plan & ProtectLife & Long-Term Care Insurance

At Financial Dimensions, we help protect you and your family’s long‑term financial security through comprehensive insurance planning. Life and long‑term care insurance play a vital role in preparing for retirement and the challenges that can arise with aging, especially as many people are unaware that Medicare does not typically cover long‑term care needs. Financial Dimensions works with multiple insurance carriers to ensure you receive coverage that aligns with the needs of you, your spouse, and your family.

Features:

  • Traditional AND Hybrid long-term care solutions available
  • Certain policies have cash value that may be accessed during your lifetime
  • Some policies may be issued up to age 80
  • Long-term care insurance may provide tax savings for premiums paid and favorable tax treatment of benefits received
  • Some policies provide cash payouts if care benefits are unused
  • Annuity-based long-term care solutions may be available as an alternative for those not qualifying for traditional insurance

Long-Term Care Matters.

Research shows that the majority of Americans will need long‑term care at some point*, but not many are financially prepared for the cost. Planning ahead with long‑term care insurance helps protect your savings, preserve independence, and reduce the burden on loved ones.

70% of Adults

turning 65 will need some form of long-term care in their future

24% of Adults

will receive more than 2 years of long-term care

Only 13% of Adults

actually receive long-term Medicaid-financed nursing home care

Contact us today to discuss your long-term care options.

1301 York Road, Suite 103
Lutherville, MD 21093

fdi@firstfinancial.org   |    410-427-8967

A strong plan today prevents costly surprises later.

Explore our financial education resources below to reinforce your long‑term financial security.

  • Banzai Learning Center

    In-depth lessons explore the financial topics you care about the most.
    Learn More  about Banzai Learning Center

  • How Life Insurance Works

    Learn how life insurance can financially protect your loved ones, cover unexpected expenses, and provide long-term peace of mind.
    Read More 

    Looking for more financial education resources? Visit our Learning Center.

    *Source: U.S. Department of Health and Human Services, “What Is the Lifetime Risk of Needing and Receiving Long-Term Services and Supports?”, 2019

    Investments, insurance, and brokerage account products offered through or advised by Financial Dimensions LLC: 

    Not a Deposit Insured by NCUA. Not Guaranteed by the Credit Union. May Lose Value.

    Financial Dimensions LLC is a state registered investment adviser and wholly-owned subsidiary of First Financial of Maryland Federal Credit Union. Investments and brokerage account products offered through Financial Dimensions are not deposits insured by NCUA or any other government agency. Products are not guaranteed by or obligations of the credit union. All investments involve risk including the possible loss of principal. Past performance is no guarantee of future results.

    For insurance products offered through Financial Dimensions LLC: Insurance products may contain certain guaranteed and non-guaranteed elements; be sure to read your contract carefully. Dividends on insurance products are not guaranteed. All guarantees are subject to the claims-paying ability of the issuing insurance company. See a tax advisor of your choice for information on how tax treatment of insurance products may apply in your personal situation.

    Please contact a Financial Dimensions advisor via telephone during business hours to make a timely transaction on your account. Instructions received via email or voicemail may not be honored.