Am I Too Young to Worry About Old Age?

What is Long-term Care Insurance?

Long-term care insurance covers long-term services and support, including personal and custodial care in a variety of locations, from your own home to nursing care in a skilled care facility. Long-term care insurance policies are not health insurance policies, but supplement those policies.

The earlier a long-term care policy is purchased, the lower the premiums. These policies tend to become unaffordable as you approach retirement age.

Planning ahead is the key. Long-term care policies commonly have a life insurance component, which may be attractive as well.

Our relationship managers can help you review the latest insurance offerings as this industry continues to change.


You are now leaving the F&M Trust website. Links to third-party sites are provided for your convenience. Such sites are not within our control and may not follow the same privacy, security or accessibility standards as ours. F&M Trust neither endorses nor guarantees offerings of the third-party providers, nor is F&M Trust responsible for the security, content or availability of third-party sites, their partners or advertisers.