Upcoming Maintenance

Due to maintenance, HCU Digital Banking may be unavailable Sunday, 04/21/2024 from 12:00am to 6:00am, Central Time.

Long-term Care Insurance

70 percent of people reaching age 65 will require some form of long-term care which can cost up to $5,300 per month. Unlike traditional health insurance, our long-term care insurance is designed to cover long-term services and supports, including personal and custodial care.

Long-Term Care Insurance Features
What is long-term care insurance and how does it work?
Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.  You can select a range of care options and benefits that allow you to get the services you need, where you need them.*

Is long-term care insurance important?
The key is early and proper planning.  The consensus is to begin investing in Long-Term Care Insurance near the age of 50.  The earlier a person starts investing the less expensive a premium typically is.

Let’s chat.
Call us at 800.428.8472 to start your conversation..

*Source: http://longtermcare.gov/costs-how-to-pay/what-is-long-term-care-insurance/

Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.

Certain insurance products listed are offered through Heartland Wealth Strategies.

HWS Logo 

Heartland Credit Union (“Your Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Heartland Credit Union and Heartland Wealth Strategies are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Heartland Wealth Strategies, and may also be employees of Heartland Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Heartland Credit Union or Heartland Wealth Strategies. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or any other Government Agency | No Credit Union Guarantee | Not Credit Union Deposits or Obligations | May Lose Value

The LPL Financial representative associated with this website may discuss and/or transact securities business only with residents of the following states: Arizona, Arkansas, California, Colorado, Florida, Georgia, Indiana, Iowa, Kansas, Louisiana, Michigan, Missouri, Nebraska, New Jersey, New York, Oklahoma, Virginia, Washington, and Wyoming.