Life Insurance.

Long-Term Care.


One Flexible Benefit. 

The average American needs more life insurance. Few are prepared for a long-term care situation. Address both needs with cutting-edge hybrid products available at the workplace.

We help employers and benefit brokers introduce Life Insurance with Long-Term Care benefits to employees.

We Help You Introduce an Important New Employee Benefit

The Voluntary Benefits Shop are experts at providing Life Insurance with Long-Term Care benefits. We work with top insurance carriers to offer premium products at competitive rates, with industry-best underwriting offers.

As a workplace benefit, Life with Long-Term Care gives employees the freedom and flexibility to cover two critical needs with one policy.

Our clients are employers and benefits brokers. Contact us today to learn more about how we can help employees plan for their future care needs.

Employees Need Life Insurance and Long-Term Care Coverage


Of adult Americans do not believe they have enough life insurance

(LIMRA, 2022)


Of Americans have not purchased long-term care insurance

(Nationwide Retirement Institute/LIMRA, 2023)


Of people turning age 65 will develop a severe long-term care need in their lifetimes

(Morningstar, 2022)

Freedom & Flexibility for Each Policyholder

Life Insurance with Long-Term Care plans provide traditional death benefits and cash benefits in critical health situations, like a terminal illness diagnosis or a serious injury requiring extended care.  Employees gain tools that increase their financial freedom and independence by giving them funds and the flexibility to use them where they’re needed most, whether it’s to stay in the home longer, preserve family assets, avoid Medicaid, or other needs that arise.

Providing employees with quality Life Insurance and Long-Term Care options is essential for a strong benefits package.  And our preferential underwriting offers mean employees can access these plans regardless of health history, so these plans can be a part of the employee retention strategy that applies to all employees.

Contact us today to learn how to introduce this important new employee benefit.

Read the Latest Industry News

Do You Serve Employees in a State Considering Mandatory Long-Term Care Coverage?

Many states are considering legislation to make Long-Term Care insurance coverage mandatory. Washington State was the first to enact this legislation with the Washington Cares Act.

Washington Cares and similar laws being considered by other states fund a state-run Long Term Care plan with a mandatory payroll tax unless an employee has a qualifying privately owned plan. Private plans, like the Life with Long-Term Care plans offered by The Voluntary Benefits Shop, provide richer benefits and greater freedom of choice than state-mandated plans.

Contact us today to learn how to proactively position employees to have more choices if your state mandates Long-Term Care coverage.


The entire VB Shop team are incredibly responsive to our needs and the needs of our clients. We continually receive kudos for recommending The VB Shop for their enrollment teams and services after enrollment which, for us as the broker, means everything.

Stephen M. Thaler

Health and Benefits, Willis Towers Watson

Thank you for all you and your team’s help. It was seamless! Especially for an active enrollment.

Kevin Orlandi

Chief Talent Officer, Cobec Consulting

The VB Shop team does a great job of implementing the Life with LTC solutions for our clients. Their process and employee engagement strategy leads to satisfaction from the HR teams and from their employees. They get great results and we routinely get positive feedback.

Ben Cohen

VP, Managing Consultant, NFP

Let us Help you Provide Life with Long-Term Care Options

Discover how The VB Shop can help you introduce Life Insurance with Long-Term Care as an employee benefit. Our tailored solutions make it easy to provide this essential benefit, promoting financial security and a brighter future for all. Explore our services today and take a proactive step towards enhancing your benefits package.

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