Skip to main content

Registration Form

  • Must be at least 8 characters in length, and include three of four of the following:
    • An uppercase character
    • A lowercase character
    • A number
    • A symbol
Are you currently working with Highland?
Are you a licensed Agent?

Longevity Planning

Risk Mitigation for a Long Life

How We Serve

As individuals live longer and defined benefit pension plans vanish, financial products have shifted to address the monetary pitfalls associated with longevity.

Navigating these longevity planning options—whether traditional long-term care (LTC), linked benefit, or life-with-rider hybrids—can be complex.

You don’t have to go it alone. Highland’s dedicated specialists guide you through every step and each option in the longevity planning process to create a strategy that best serves your client’s anticipated financial and extended healthcare needs. Our focus is:

  • Linked benefit
  • Traditional long-term care (LTC)
  • Life with rider hybrids (Accelerated Death Benefit)
    • LTC rider
    • Chronic illness (CI) rider

As part of our comprehensive longevity planning services, we offer:

  • Virtual point-of-sale support (conference calls with you and your clients).
  • Consultative approach to client-centric solution(s).
  • Preliminary underwriting/health screening assessment. 
  • Quote and quote summary.
  • Review of existing policies and/or competitive quotes.
  • Application fulfillment and e-signature (where available).
  • Underwriting advocacy.
Linked Benefit
Long-Term Care
LTC or CI Rider

Who We Are

Longevity Planning is what we do. We help advisors determine the critical components to proactively protect a client’s assets, while also providing coverage should an extended care event arise. Contact us:

Michael Arner

Michael Arner

Vice President, Hybrid Long-Term Care Specialist
Advisor Group Advisors

Read Bio

Nancy Simm

Nancy Simm, CLTC, LTCP, CSA

Director, LTC & Longevity Planning
All Other Advisors

Read Bio

The Carriers

Understanding which carrier’s products best meet your client’s longevity planning needs is paramount to proper recommendation.

Traditional LTC

  • Mutual of Omaha
  • National Guardian Life
  • Transamerica

Linked Benefit Options

  • Lincoln National
  • Nationwide
  • New York Life
  • One America
  • Pacific Life*
  • Securian

Survivorship Plans

  • One America (Linked Benefit)
  • Nationwide (Life with LTC rider)

LTC/CI Riders

  • AIG
  • American National
  • AXA
  • Brighthouse
  • Global Atlantic
  • John Hancock
  • Lincoln National
  • Mutual of Omaha
  • National Life
  • Nationwide
  • New York Life
  • North American
  • Pacific Life*
  • Principal
  • Protective Life
  • Prudential
  • Securian
  • Symetra
  • Transamerica
  • Zurich

*HighCap Financial only.


It’s never too soon to start the longevity planning conversation.
Contact us today to get started.

Contact us – Advisor Group Advisors
 

Contact us – All Other Advisors

Highland's Longevity Planning.
Recommendations, Resources, Results