Hunter Waugh - Lifetime Retirement Partners

If you have a mortgage, this is worth thinking about.

If something happened to you, would your payment be manageable for the people you love, or would it turn into a scramble? Do you have enough to cover the mortgage and replace your income? Life insurance is one of the simplest ways to make sure your home and your income are protected.

If you want me to run numbers for mortgage protection coverage, message me your age and whether you use to***co. I can get you a rough estimate fast. I’m happy to walk through it like a real conversation, not a sales pitch.

𝗟𝗼𝗻𝗴-𝗧𝗲𝗿𝗺 𝗖𝗮𝗿𝗲: 𝗧𝗵𝗲 𝗠𝗶𝘀𝘀𝗶𝗻𝗴 𝗣𝗶𝗲𝗰𝗲 𝗶𝗻 𝗠𝗼𝘀𝘁 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗣𝗹𝗮𝗻𝘀

If you live long enough, you will likely need some form of long-term care, and the cost can drain even a strong retirement plan.

Here are the real numbers most people never see:

- Home health aide: ~$32/hour (40 hours/week = ~$5,500 per month)
- Assisted living facility: ~$4,500–$6,000 per month
- Nursing home (semi-private room): ~$8,300 per month
- Nursing home (private room): ~$9,500–$11,000+ per month

And the average American needing long-term care receives care for 3–5 years.

Do the math:
$8,000–$10,000 per month × 4 years = $384,000–$480,000 in care costs.

If you’re married, double it.

Without proper planning, that kind of expense doesn’t just hurt, it can wipe out decades of saving and force hard decisions on your spouse and kids. Long-term care insurance helps protect:
• Your retirement assets
• Your income plan
• Your choice of care
• Your family from overwhelming responsibility

The BIGGEST MISTAKE people make? Waiting until they actually need care. Planning early gives you more options and much lower premiums, while adding peace of mind.

If you’ve never talked about long-term care planning and want a real, no-pressure breakdown, I’m here to help!

Call now to connect with business.

Life Changes — Your Protection Should Too

Whether you’re building a family, planning for retirement, or running a business… one thing stays the same, you want the people who depend on you to be protected.

Life insurance isn’t about a policy, it’s about peace of mind.
It’s about knowing that no matter what happens, your loved ones, your home, or your business will stay secure.

At Lifetime Retirement Partners, I help:
👨‍👩‍👧 Young families protect income and mortgage payments
👵 Seniors plan final expenses and leave a lasting legacy
💼 Business owners secure key-person coverage and succession plans

Don't hesitate to reach out to explore your options, clear answers and honest guidance.

Because planning today means peace of mind for tomorrow.

Send a message to learn more

Lifetime Retirement Partners - Your Partner in Financial Confidence
At Lifetime Retirement Partners, we provide personalized guidance to help you plan, protect, and enjoy your financial future.
✔️Medicare
✔️Retirement Planning
✔️Wealth Transfer
✔️Investment Management
✔️Life Insurance Solutions
✔️Social Security & Guaranteed Income
Based in Lincoln and Omaha, NE. Follow this page for tips, resources, and updates to help you make confident financial decisions at every stage of life.