About this Exchange

About this Exchange

RetirementGuard is an independent broker and insurance consultant, and we work almost exclusively with long-term care insurance.

To assure that you are able to obtain the best coverage for your particular needs - at the best price - we have constructed this Private Exchange, consiting of four outstanding and different insurance companies from which you may choose.

A mutual company (owned by their policyholders-not stockholders) with extremely strong financial ratings. MassMutual also participates in the New York Partnership. Notably MassMutual has never increased pricing for existing insureds. A 10% special premium discount may be available.
Lincoln Financial

Lincoln Financial underwrites a very popular hybrid long-term care insurance alternative in New York. Though absolutely not for most people, hybrids are becoming increasingly popular wealth management tools for higher net worth individuals and couples. (see additional Information)


Transamerica is another strong insurance company providing long-term care insurance since 1987. Their sweet spot is inexpensive long-term care insurance that does not automatically compound.
Mutual of Omaha
Another strong long-term care insurance company. They have extremely strong financial ratings and the most liberal home care policy provision. Currently Mutual of Omaha's premium is competitive for couples applying together, and for females applying alone who seek automatic inflation options.


3. a place where things are exchanged, especially a center where financial instruments are bought and sold.


Privacy Policy

RetirementGuard's mission is to enhance quality of life and peace of mind. We believe the interest of our clients always come first. As a current or future client we need you to know that we are committed to maintaining your trust; protecting your privacy and the personal information you provide to us.

We only collect, use and share your personal information in order to provide you with and maintain the insurance products and services you have requested, or as permitted or required by law.

We will not share your information with any non-affiliated company for the purpose of that company marketing its products or services to you. We do not sell any information about you nor do we sell our customer lists.

Information collection

An essential part of the insurance application process is getting to know you. In this regard, we will need to collect some specific information from you and about you.

We will ask you to provide, among other things, personal data such as your name, address, date of birth, social security number, marital status, home address, phone numbers, email address and place of employment. In most cases you will also need to provide the names of your physicians, medications you are taking and illnesses or conditions you have or have had. Lastly, to ensure that you can afford the insurance you are interested in purchasing, questions related to your annual income range, savings and investments.

We would require the above information for the following:

Sharing information

When you provide information to us, we may share your information with our affiliated insurance companies for the purpose of fulfilling underwriting requests as well as offering you other services that may be of interest to you.

How is your information secured and protected?

We treat what we know about you confidentially. The website uses encryption and authentication tools to protect any personal information you send us via the Internet. Internally we take steps to make our computer data bases secure and to safeguard the information we have collected about you.

We require confidential treatment of your information and take care in handling your information. Employees who misuse customer information are subject to disciplinary action.

To contact us, to view or to update your information

If you wish to update or view your personal information or if you have any questions about this Privacy Policy, you may contact us by sending a letter via the U.S. Mail to: