AMAC Long-Term Care
888-994-6565
RoseMark for AMAC Members

AMAC members have access to long-term care guidance through RoseMark Advisors, AMAC’s exclusive financial planning provider.

Our licensed advisors help members understand their options, compare solutions, and create a plan designed to protect their assets, independence, and loved ones. About 70% of Americans turning 65 will need some form of long‑term care, and Medicare generally does not cover ongoing custodial care.

Happy senior couple planning their future
★★★★★
“RoseMark walked us through every option and found a plan that fit our budget perfectly. We finally have peace of mind.”
— Barbara & Jim T., AMAC Members
0%
of seniors need
long-term care
$0+
average annual
cost of care
$0
covered by
Medicare
Your RoseMark Team

Meet the advisors here to help you plan with confidence

Our licensed advisors serve AMAC members with clear guidance, personalized planning, and recommendations designed around your needs — not an insurance company’s agenda.

Matt Racanelli

Matt Racanelli

“I treat every client’s savings like they’re my own family’s.”

Ashley Morrone

Ashley Morrone

“I believe the right plan gives families far more than protection — it gives them confidence and peace of mind.”

Frank Kestler

Frank Kestler

“After 20 years, the best part is still the relief on a client’s face.”

Erika Small

Erika Small

“I believe everyone deserves to understand their options clearly.”

Justin Jordan

Justin Jordan

“I listen first. The right plan always follows.”

Bob DeAngelis

Bob DeAngelis

“Planning ahead shouldn’t be stressful — that’s what I’m here for.”

Dylan Starr

Dylan Starr

“There’s a smart solution for every situation — let’s find yours.”

Steve Barbato

Steve Barbato

“I take my time with every client because your future matters.”

Free & Confidential

Let's find the right plan for you

Fill out this short form and a RoseMark long-term care planning expert will reach out within one business day. No obligation, no pressure.

  • Compare plans from top-rated carriers
  • Get a personalized cost estimate
  • Understand your best coverage options
  • No carrier quotas — we work for you
Licensed US-based advisors
No-obligation consultation
Your Info Stays Private
Takes under 2 minutes

Start your long-term care planning review

Your information is secure and will never be shared. By submitting you agree to be contacted by an AMAC licensed advisor.

You're All Set!

One of our licensed LTC advisors will reach out within one business day to discuss your options.

Real Life Situations

Long-term care touches every family

Three scenarios where the right plan made all the difference.

Active retiree

The Active Retiree

Jim, 72, had a stroke during his morning golf game. After 3 weeks in the hospital, he needed months of in-home therapy and daily assistance.

Policy covered $85,000+
Family caregiver

The Family Caregiver

Maria, 68, was diagnosed with early-onset Alzheimer's. Her daughter had to reduce work hours to help care for her.

Saved $9,200/month in care costs
Retirement planning

The Planner

Robert and Susan purchased asset-based LTC policies at 65. When Susan needed assisted living at 78, the policy covered 100% of costs.

Unused benefit went to heirs
Your Options

Three strategies for LTC coverage

Every situation is different. Here are the approaches our advisors recommend most.

01

Asset-Based LTC

Reposition existing assets into a policy. If unused, your heirs receive the full benefit. One-time funding, no ongoing premiums.

  • Tax-advantaged benefits
  • Money-back guarantee
  • Legacy protection for heirs
02

Hybrid Policies

Combine life insurance with long-term care. Protection while living, plus a death benefit for your family.

  • Locked-in premiums
  • Flexible benefit access
  • Life insurance component
03

Self-Insuring

For households with $2M+ in liquid assets. Dedicate funds for care needs without insurance premiums.

  • Full control of assets
  • No insurance involvement
  • Requires substantial wealth
The Real Numbers

Long-term care can cost more than many families expect

These estimated annual costs reflect 2026 current care rates in today’s dollars, and they are not worst-case scenarios.

Care Type
California
Texas
Florida
Home Care
$91,038
$67,670
$69,510
Assisted Living
$88,599
$62,762
$63,929
Nursing Home
$144,233
$72,708
$129,457
Long-term care costs often rise over time. Planning ahead can help protect your retirement assets, preserve your choices, and reduce the financial burden on your family.
Planning ahead gives you more control. The earlier you review your options, the more flexibility you may have in how you protect your income, assets, and family.
Why Choose RoseMark

Trusted guidance for AMAC members

RoseMark Advisors is AMAC’s exclusive financial planning provider, helping members navigate long-term care planning with clarity, care, and a strategy designed to protect their assets, independence, and family.

Advanced LTC modeling

Proprietary software compares plans across all major carriers to find the best coverage for your situation.

Licensed US-based advisors

Experienced professionals who work for you — not an insurance company. No carrier quotas, no pressure.

No-obligation consultation

Get a personalized plan comparison at no cost. If our solutions aren't right for you, there's never a charge.

Common Questions

Frequently asked questions

Does Medicare cover long-term care?
No. Medicare provides limited skilled nursing coverage (up to 100 days) but does not cover custodial care — the most common type of long-term care. A separate LTC plan is essential.
What is Asset-Based Long-Term Care?
Asset-based long-term care is a strategy that repositions existing assets to create a guaranteed pool for care if needed. It’s about using your money more efficiently, not spending it. If care is never needed, a benefit is still passed to your beneficiaries, helping avoid the “use it or lose it” risk of traditional LTC.
What is a Hybrid LTC Policy?
Hybrid policies combine life insurance with long-term care benefits. If you need care, the policy pays for it. If you don’t, your beneficiaries receive a death benefit.

Plan while you still have options

Health changes can affect your eligibility, costs, and available long-term care choices. Planning early gives you more flexibility — but even if traditional coverage is no longer available, RoseMark can help you explore alternative LTC solutions to protect your assets and family.

Call 888-994-6565