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Long-Term Care Planning

If you are experiencing or have experienced the pain of seeing a loved one try to figure out and pay for Assisted Living Facilities, Nursing Homes, or In-Home Care, and are considering purchasing Long-Term Care Insurance, STOP!

City Center Financial, LLC has long-term care specialists ready to help you put together a comprehensive long-term care plan in place.  It is important that you properly identify how much long-term care insurance you need, and that that you do not make the mistakes that could cost you thousands of dollars in long-term care costs or premiums. 


Call us today to schedule an appointment, or fill out the form  on this page to recieve a free report that is ideal for anyone who is concerned about the costs of long-term care, or how to best plan for their long-term care services.

Make sure to receive this report before purchasing long-term care insurance of any kind. It could save you hundreds if not thousands of dollars!  Fill out the form on this page or call to speak to one of our Long-Term Care Experts today.

Thank you! A Representative will contact you today!

Affordable Long-Term Care Insurance

Dave Hardin - RFC®
Founding Partner

City Center Financial, LLC

Q: "Dave, What do you mean by 'affordable'."

A: "Most people have heard the horror stories of people getting hit with 130% increases in insurance premiums on traditional long-term care policies.  The good news is that there are other options to cover costs that aren't 'use it or lose it'  policies and have guaranteed premiums and benefits.

I started selling insurance in 1977, and I've seen the good the bad and the ugly of the insurance industry. I can tell you confidently that the innovation in long-term care solutions has never been more affordable or more robust than it is today."

As Seen In...

We proudly serve the Lansing, Port Huron, and  southeast Michigan communities for long-term care solutions.  Troy, Bloomfield Hills, Rochester, Sterling Heights, Rochester Hills, Birmingham, Beverly Hills, Warren, Southfield, Utica, Auburn Hills, West Bloomfield, Franklin, Clawson, Farmington Hills, and the surrounding communities.  We would be honored to serve you and your family. Schedule an appointment today.

Types of Long-Term Care Insurance Coverage

Traditional LTC Insurance


1. Lowest Intial Cost

2. Provides Reimbursement for Services

3. Able to be purchased with payments

4. Highest per day LTC benefit for premiums paid


1. Premiums Not Guaranteed

2. Gets More Expensive With Time

3. "Use it or Lose it"*

4. Benefits Often Restricted

Indemnity LTC Policies


1. Benefits are paid directly to the insured

2. Flexible use of benefits

3. Full Benefit is paid for any amount of services recieved

4. Simple to File a Claim


1. Premiums Not Guaranteed

2. Gets More Expensive With Time

3. "Use it or Lose it"*

Cash Value LTC Policies


1. Benefits are paid directly to the insured

2. Flexible use of benefits

3. Benefits are used for LTC or paid to the insured's heirs

4. Premiums are Guaranteed


1. The Most Expensive Option

2. Lowest Benefit for Premiums Paid

3. May need to be underwritten for Mortality and Morbidity

Request An Appointment Today

Fill out the form below and one of our representatives will contact you to schedule your no-obligation consultation to address your long-term care planning questions.

Thank you for requesting an appointment. A representative from City Center Financial, LLC will reach out to you shortly!

888 W Big Beaver Rd., Suite 1220,  Troy, MI 48084

Phone:  (248) 275-1930 or (888) 267-1321 

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