Planning for the future isn't just about retirement savings or estate planning —long-term care insurance plays a vital role in protecting your health, finances, and loved ones. At Riseson Insurance , we help Arizona residents prepare for the unexpected with policies that support dignity, choice, and financial stability.

Long-term care insurance helps cover the cost of care when you can no longer perform basic daily activities on your own—like bathing, dressing, or eating—due to aging, chronic illness, or disability. This care can be provided in:

Your own home An assisted living facility A nursing home An adult day care center

Without this coverage, the burden of care often falls on family members—or your savings.

Long-term care costs in Arizona continue to rise. In cities like Tempe , Phoenix , Scottsdale , and Tucson , a year in a private nursing home room can cost upwards of $100,000. Even part-time in-home care in Gilbert or Chandler can add up quickly.

Medicare typically doesn’t cover extended long-term care. Medicaid may, but only after you’ve spent down your assets. Long-term care insurance fills that critical gap—preserving your savings and giving you more freedom of choice.

If you're in your 40s to early 60s, now is the time to explore your options. Premiums are more affordable when you’re younger and healthier, and waiting too long can result in higher rates or disqualification due to health conditions.

Protect your assets from being drained by care costs Maintain independence by choosing where and how you receive care Relieve family members from the emotional and financial strain of caregiving Supplement existing retirement plans with additional peace of mind

Don’t wait until it’s too late. A conversation now can protect your independence tomorrow.

Call Riseson Insurance at 602-460-5470 to get a personalized long-term care insurance quote and plan for a more secure future.

What Is Long-Term Care Insurance?

Why It Matters in Arizona

Who Should Consider It?

Key Benefits of Long-Term Care Insurance

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• Your own home
• An assisted living facility
• A nursing home
• An adult day care center

• Protect your assets from being drained by care costs
• Maintain independence by choosing where and how you receive care
• Relieve family members from the emotional and financial strain of caregiving
• Supplement existing retirement plans with additional peace of mind