DOUBLE YOUR RETIREMENT PROTECTION AND AVOID $400K IN CARE COSTS - WITHOUT SPENDING A DOLLAR MORE!
One unexpected illness can drain your savings; we help families across the U.S. safeguard retirement while building a full financial plan for the future.
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Personalized PLAN
Tailored to fit your needs, goals, and future.
Secure Your Future with Confidence
Protect your assets. Plan for care. Gain peace of mind.
From Caring for Patients to Protecting Futures
Hey, I'm Neill Papa!
With nearly a decade of experience as a long-term care nurse, I’ve seen firsthand how aging, illness, and poor financial planning can disrupt families—emotionally and financially. That experience fueled my passion for helping others prepare smarter.
Today, as a licensed financial professional, I guide individuals and families through retirement planning with a special focus on long-term care. I’ve learned that healthcare is critical—but without the right financial structure, even the best care may be out of reach.
That’s where I come in.
I help people like you protect what matters most—your health, your wealth, and your legacy—using clear, personalized solutions like:
Hybrid long-term care plans
Index Universal Life insurance with LTC riders
Asset-based strategies that safeguard wealth
No pressure. No jargon. Just thoughtful guidance backed by real-life experience and a heart for service.
Book your free strategy call today, and let’s create a plan that gives you and your family the future you deserve.
License #: 4364192
Why Choose Us?
Open Collaboration
Lifetime Coverage
Return-of-Premium Guarantee
Tax-Free Payouts
Hybrid Policies
Our Services
Smart, Flexible Solutions for Long-Term Care and Retirement Wealth
We offer tailored financial strategies that protect your health, grow your assets, and leave a lasting legacy—without added strain.
Hybrid Long-Term Care
Asset-Based LTC
IUL with LTC Rider
Certified. Transparent. Client-Focused.
STILL NOT SURE?
Frequently Asked Questions
You’re not alone. Here are answers to the most common concerns families have when exploring hybrid long-term care and legacy planning solutions.
What if I never need long-term care?
Great question. If you never need care, many plans offer a death benefit to your loved ones or a return of premium option. Either way, your money doesn't go to waste.
Is this real insurance?
Yes, it’s 100% legitimate. These are IRS-recognized, state-regulated policies offered by top-rated insurance carriers—designed to protect both your health and your wealth.
Do I need to be healthy to qualify?
Generally, yes—basic underwriting is required. However, the process is much simpler than traditional long-term care insurance and can often be completed over the phone.
How is this different from regular long-term care insurance?
Traditional LTC is "use it or lose it." With asset-based or hybrid plans, your money stays in your control—with benefits like tax-free growth, flexible access, and a legacy payout.
Can I use my current annuities?
Absolutely. Many clients roll over existing annuities or life insurance policies to fund a new plan tax-efficiently—often with added benefits and no additional out-of-pocket.
Client Testimonials
What others are saying
Hybrid Long-Term Care
“Neill gave me peace of mind knowing I’m covered, no matter what. I loved that it didn’t feel like ‘use it or lose it.’ Now I have long-term care coverage and a legacy to pass on.”
-Linda J., Age 58, Nevada
Asset-Based LTC
“I didn’t want to throw money into traditional insurance I might never use. Neill made it easy for me to work with and gave me the option where I simply repositioned some savings and now I’ve locked in lifetime care coverage—and I’m still in control of my assets.”
-Robert M., Age 65, Arizona
IUL with LTC Rider
“Neill was very patient to work with and catered to my specific needs. My policy not only protects my family, but it’s also growing cash value I can use. The added long-term care rider made it a no-brainer. It’s the smartest financial move I’ve made, where now I won't be a burden to my kids”
- Danielle K., Age 50, California
Get In Touch
Whether you have questions or you're ready to start planning, I’m here to help. Reach out today and take the first step toward a more secure future.
By submitting this form, you agree to be contacted about long-term care and retirement planning solutions.
📧 Email: [email protected]
📞 Phone: +1 408-409-5370
READY TO GIVE US A TRY?
Book your free strategy call today.
The decisions you make today can shape your financial freedom, protect your loved ones, and ensure you're never caught unprepared. Start with a free strategy call—your future self (and your family) will be glad you did.
© 2025 LegacyCare Financial Solutions. All rights reserved.
Neill Papa, Licensed Life Insurance Professional (License #4364192)
Investment products and advisory services offered through our licensed financial advisor.
This content is for educational purposes only and should not be construed as financial, tax, or legal advice.
📍 Serving families across the U.S.
📞 Contact: [email protected]