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Start by filling out our simple form to schedule a no-obligation consultation. Our team will review your needs and explain how this benefit works.
Enhance Employee Retention with Life Insurance Featuring Long-Term Care Benefits
Preparing employees for future care needs doesn't have to be complicated. At The Voluntary Benefits Shop, we partner with employers and benefit advisors to deliver Life Insurance with Long-Term Care solutions from trusted, reputable carriers, making it easy to support your team and strengthen retention.
Local Advisor Access
Customized Solution Design
We'll create a tailored Life with Long-Term Care plan that offers valuable protection for your employees—often at no cost to your business.
Reliable Coverage You Can Count On
Help your team secure smart, affordable benefits that enhance their financial security and boost employee satisfaction.
Dual Benefit, Broad Appeal
This all-in-one solution addresses two of today's most pressing employee needs—life insurance and long-term care—coverage areas where most Americans remain underprotected.
Guaranteed Coverage, Zero Barriers
With guaranteed issue, all eligible employees can secure this valuable protection—no medical questions, no exams, no exclusions. It's a rare opportunity to offer meaningful life and long-term care benefits to your entire team, making your benefits package stronger, more inclusive, and easier to implement.
Strategic Benefits, Built for Your Business
At The Voluntary Benefits Shop, we specialize in helping employers and benefit advisors deliver meaningful, easy-to-implement solutions. Our streamlined approach makes it simple to offer Life Insurance with Long-Term Care, combining a traditional death benefit with cash support for critical health events. These plans enhance retention, promote financial wellness, and may be available to all employees—even those with pre-existing conditions—through guaranteed or preferential underwriting.
3 Steps to Support Your Team with Life with Long-Term Care Coverage
Exclusive Carrier Offers
Dual Coverage, One Plan
Guaranteed Acceptance
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Why Partner with The Voluntary Benefits Shop?
Powerful Protection with Life Insurance + Long-Term Care
Life with Long-Term Care delivers multi-generational financial security and peace of mind—combining early premium savings with essential care benefits. It's a smart investment for businesses looking to boost retention, enhance their benefits package, and show employees they care. For brokers, it's also a strategic way to help clients stand out with a high-impact, flexible offering.
Smart Benefit Planning
We support employers and benefit advisors with expert guidance on Life with Long-Term Care solutions, helping them make informed, strategic decisions that strengthen their benefits offering.
Standalone Long-Term Care Insurance
Traditional standalone LTC policies provide important coverage but often come with high premiums and strict medical underwriting. These plans typically only pay out if long-term care is needed, offer no cash value, and can be cost-prohibitive for many employees.
Hybrid Life Insurance with Long-Term Care Benefits
Hybrid plans combine life insurance and long-term care into one flexible policy. With guaranteed acceptance, level premiums, and benefits that apply to either need, they offer a more accessible solution for today's diverse workforce.
Carrier Access and Product Selection
We partner with top-tier insurance carriers to offer competitive, high-quality plans. With exclusive underwriting offers, employees can qualify for coverage without answering health history questions, making access simple.
Full-Service Implementation
From carrier setup to enrollment and beyond, we manage the entire implementation process. Our team ensures a seamless experience for both HR teams and employees, reducing administrative burden and maximizing engagement.
Stronger Teams Built on Life with Long-Term Care
Unlock smarter benefits with expert guidance. Request a free analysis from our local advisors and learn how Life with Long-Term Care can boost retention, attract top talent, and safeguard your business.
Based in Havre de Grace, Maryland, The Voluntary Benefits Shop has earned a trusted reputation in employee benefits marketing since 2013. Our experienced team is dedicated to helping businesses introduce meaningful benefits.
As a locally rooted company, we put people first. We collaborate closely with employers and benefit advisors to understand their unique goals, deliver tailored solutions, and maintain clear, consistent communication throughout the process. Consider us your dedicated partner in building benefits that truly make a difference.
Help Clients Provide the Coverage Their Teams Deserve
The Voluntary Benefits Shop provides expert services for Life with Long-Term Care benefits. We help businesses and benefit advisors offer flexible, high-impact coverage that supports employee retention and future care planning. Our team partners with top carriers and delivers full-service implementation, education, and support.
Real Stories From Clients
Testimonials
Top-Tier Life with Long-Term Care Benefits
Protect your team with Life plus Long-Term Care coverage, combining two powerful benefits into one seamless plan designed to strengthen retention, relieve financial stress, and support future planning.
The entire VB Shop team is incredibly responsive to our needs and the needs of our clients. We continually receive kudos for recommending The VB Shop for their enrollment teams and services after enrollment, which, for us as the broker, means everything.
Thank you for all you and your team’s help. It was seamless! Especially for an active enrollment.
The VB Shop team does a great job of implementing the Life with LTC solutions for our clients. Their process and employee engagement strategy lead to satisfaction from the HR teams and from their employees. They get great results, and we routinely get positive feedback.
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