Tailored Plans for Your Unique Retirement Needs
We highlight our commitment to tailoring a long term care policy that perfectly suits your individual requirements. Whether you plan to age in your home or in a retirement community, our expert agents work closely with you to create a coverage plan that considers your retirement needs, current health coverage, and any existing conditions.
ABOUT US
Your Trusted Long Term Care Partner
At Starlight Golden Years, we're not just another faceless insurance provider. We are your trusted partner on the path to a secure retirement. With a rich history spanning since 1879, our assisted care providers has been dedicated to serving the diverse needs of our valued customers.
OUR SERVICES
We Also Offer
Medicare Supplement and Advantage
Whether you are turning 65 soon or have past that milestone, our Medicare-certified advisors offer tailor made solutions that help minimize out-of-pocket expenses and maximize the coverage offered by Medicare. It can begin as simply as a Medicare orientation to pinpoint your Medicare needs, the advantages and disadvantages of Original Medicare, and whether Medicare Supplement or Advantage is the best choice for you!
Not Ready to Retire?
No problem!
Let us help you make informed decisions.
Life Insurance
As you age, your family's needs change. Whether you have existing coverage or have health concerns that have prevented you from obtaining what you desire in the past, it may the right time to reassess your life insurance objectives. Our agents will assist in underwriting health concerns, reviewing policies for cash accumulation, converting term to permanent life insurance, and setting your family up to cover final expenses.
Fixed and Indexed Annuities
You've spent your entire career accumulating assets. For many, your expenses are fixed but your retirement accounts values are variable. Learn how to leverage the upside of the market and eliminate losses from your investment profile!
Full Service Financial Services
In addition to our insurance offerings, our securities division includes licensed financial advisors. Schedule an appointment with a financial advisor in order to develop retirement goals and plan ahead for unexpected changes in income and health expenses. Whether you've just sold a home and need to protect your savings or have questions about the performance of your investments, our advisors specialize in your specific needs in retirement.
TESTIMONIALS
CUSTOMER REVIEWS
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OUR TEAM
Shaun Smith
Jake Looney
Michael Hegelson
Get In Touch
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FAQS
Is Long Term Care required by the government?
Long Term Care insurance is not required by the government; however, recent legislative initiatives have been introduced, including Assembly Bill AB 567, proposing taxes for those unprotected by private coverage. Similar initiative have been passed and implemented in states such as Washington. Statistics suggest that 70% of people will need long term care at some point within their life.
What's the difference between a stand alone LTC policy and a living benefit of life insurance?
Living benefits of life insurance can include riders that reduce the death benefit of the face value of a life insurance policy. Some life insurance policies offer a chronic illness or long-term care rider that allocates a portion of the death benefit to someone who meets the specified benefit provisions. Benefits are typically payable for up to a portion of the death benefit and typically paid in the form of an indemnity. A stand alone long-term care policy offers coverage based on a number of factors directly related to someone's need for palliative care, including the reduction of at least 2 of 6 ADLs (Activities of Daily Living). These policies typically include policy enhancements for home-based care, durable medical equipment, inflation protection, and restoration of benefits. These policies are designed for someone who has aged, needs palliative care, and is not likely to recover.
What are the costs of Long Term Care based on?
The amount of premium paid for long term care is based off of someone's age, the benefit multiplier, dollar benefit per day, and additional benefits such as home-based care and inflation protection. Generally speaking, the older the person is when obtaining coverage, the more they will pay in premium on a monthly basis. Rates for coverage are age-banded and gender specific.
Does Medicare provide long term care?
Medicare Part A includes insurance benefits for those who are hospitalized and needing rehabilitation treatment to a maximum number of days. If a person has been determined to have a condition and/or symptoms that are not recoverable, they will stop receiving Medicare benefits. Medicare does not provide palliative care. Palliative care includes homemaking, cooking, cleaning, transferring, toileting, bathing, and other tasks associated with the quality of life of someone with a serious illness.
Email: [email protected]
Phone: (714) 721-9605
Address Office: 17752 Christie Drive, Yorba Linda CA 92886