Our Services
Long-Term Care
Americans today are living longer.
According to the Social Security Administration, men and women who reach age 65 live to age 84 and 86.5, respectively. Also, approximately one in three 65-year-olds will live past age 90, and one in seven will live past age 95. That means for 14.2% of those 65 or older, retirement years will make up a third of their lifetime.
As we live longer, we need to alter our financial planning accordingly to ensure that we don’t outlive our retirement savings. One of the most significant factors in that equation is our ability to live independently. According to the U.S. Department of Health & Human Services, approximately 70% of Americans turning 65 can expect to use some form of long-term care during their lifetime.
To prepare financially for the possibility that you will be part of that 70%, you should understand your long-term care (LTC) insurance options and how it can help your retirement strategy.
** The American College of Financial Services
OUR MISSION
At HELM Insurance Group, our mission is to provide holistic, ethical, and long-term insurance and financial solutions that maximize value for our clients. We are dedicated to guiding individuals, families, and businesses toward financial security by offering comprehensive products and services tailored to meet their unique needs.
Why Choose Us?
With a commitment to transparency, integrity, and client success, we strive to be a trusted partner, helping our clients protect their assets, plan for the future, and achieve their financial goals with confidence. At HELM, we believe that safeguarding your financial future is not just about providing a product — it’s about delivering peace of mind for today and generations to come.
"At the HELM of Protection and Planning: Helping Empower Lifelong Management"
This information is provided as general information and is not intended to be specific financial guidance. The information and opinions expressed herein are from sources believed to be reliable; however, we make no representation as to its accuracy or completeness. Before you make any decisions regarding your personal financial situation, you should consult a financial, legal or tax professional to discuss your individual circumstances and objectives.