ComprehensivE Insurance Coverage
For Life's Unpredictable Moments
Long-term disability, and retirement planning, tailored specially for each person to safeguard your family, home, and income.
Comprehensive Coverage
For Life's Unpredictable Moments
Long-term disability, and retirement planning, tailored specially for each person to safeguard your family, home, and income.
ABOUT OUR PROGRAM
Long Term Care Protection For You & Those Who Matter Most
Protect What Matters Most
Your health, your home, and your family’s future deserve security, no matter what life brings. At Creative Financial, we provide affordable, easy-to-understand Long Term Care Insurance designed to protect your quality of life, ease the financial burden of extended care, and give you and your loved ones lasting peace of mind.
SERVICES
What We Offer
Discover what coverage options we can offer you to assure you and your loved ones are protected in any situation.
Long Term Care Insurance
Long Term Care Insurance helps pay for care when you need daily assistance, whether at home or in a facility. It protects your savings and offers peace of mind.
Long-term Disability
Long-term disability insurance replaces part of your income if you're unable to work due to illness or injury, helping you stay financially stable.
Retirement Planning
Planning helps secure your financial future by saving for a stable income after retirement. Enjoy peace of mind throughout your retirement years.
SERVICES
What We Offer
Discover what coverage options we can offer you to assure your family is protected in any situation.
Long Term Care Insurance
Long Term Care Insurance helps pay for care when you need daily assistance, whether at home or in a facility. It protects your savings and offers peace of mind.
Long-term Disability
Long-term disability insurance replaces part of your income if you're unable to work due to illness or injury, helping you stay financially stable.
Retirement Annuity
Annuities provide guaranteed income in retirement, helping you manage your finances and ensure long-term financial security.
WHY CHOOSE US
We Provide Best Insurance Services For You
Custom Coverage Plans
We help you find a plan that fits your needs and budget. No one-size-fits-all policies here.
Fast, Simple Application
Skip the paperwork. Our process is fast, easy, and hassle-free.
Expert Guidance
Our licensed agents are here to answer your questions and guide you every step of the way.
Trusted Nationwide
We’ve helped thousands of families stay protected—now let us help you.
+100
Years Combined Experience
+200
Financial Professionals
+10,000
Households Served
10 Billion
Insurance In-Force
Frequently Asked Questions
What is long-term care insurance?
Long-term care insurance helps cover the cost of services that aren’t typically included in regular health insurance or Medicare, such as assistance with daily activities (bathing, dressing, eating) or extended care in a nursing home, assisted living facility, or even in your own home.
Why do I need long-term care insurance?
Many people underestimate how expensive long-term care can be. Without coverage, costs can quickly deplete savings and retirement funds. Long-term care insurance provides financial protection and peace of mind for you and your loved ones.
When should I buy long-term care insurance?
It’s generally recommended to consider coverage in your 50s or early 60s. Premiums are lower and you’re more likely to qualify for coverage when you’re in good health.
Does Medicare or regular health insurance cover long-term care?
No. Medicare and traditional health insurance generally only cover short-term, medically necessary care — not ongoing long-term care. That’s where long-term care insurance steps in.
How much does long-term care insurance cost?
Premiums depend on your age, health, gender, coverage amount, and the type of policy you choose. We can provide a personalized quote to fit your budget and needs.
TEAM
Meet Our Experts
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Gil Daniel Cohen, LUTCF, CHFC
Partner, CEO & Founder
Dustin Bezalel
Partner, President & Founder
Marshall Rosen, LUTCF
Partner, Chief Operating Officer
Achievements & Awards
