Long-term & specialised care
The cost most people plan for last.
Most health insurance — including Medicare — was never designed to cover extended long-term care or home health support. It is one of the most overlooked risks in a retirement plan, and it is usually discovered only after care is already needed.
Ask about long-term careCall (808) 292-1084
- No cost to you
- Independent & local
- 20+ years on O‘ahu
What we can help with
Long-term care insurance
Coverage for extended care in a facility or at home. Options and pricing change sharply with age and health, which is why timing this conversation early matters.
Home health care
Support that lets someone stay in their own home longer — often the outcome families most want and least plan for.
Cancer & critical illness
Cash benefits paid on diagnosis, which can cover the income loss and caregiving costs a medical plan does not touch.
Prescription assistance
Help finding manufacturer programmes, Extra Help and other routes when drug costs are out of reach.
Why this sits with the rest of your plan
A health event rarely stays medical.
A serious diagnosis creates income gaps, caregiving needs and financial strain that ripple far beyond the hospital bill. Coverage that only addresses the medical side leaves the rest exposed — which is why we look at long-term care alongside your Medicare or health plan, your life insurance and your retirement income rather than as a separate purchase.
There is no version of this conversation where we push a product on you. Often the honest answer is that a different piece of your plan needs attention first, or that self-funding part of the risk makes more sense than insuring all of it. We will tell you that.
Ask us about long-term care
Tell us where you are and an advisor will get back to you within one business day.
Your information is used to prepare your comparison and to follow up with you. We never sell or share it.