Financial Options
for families seeking long-term care

Worthright provides financial assistance for families seeking long-term care services.

Safe and Secure

We use bank-level encryption technology to ensure your information is safe.

Private and Non-Invasive

We will never share your information without your express permission. Nothing impacts your credit score without you knowing.

Quick and Easy

We’ll provide options that you’re pre-qualified for in a matter of hours. Nothing requires commitment.

Can this impact my credit?

Nothing Worthright does has a negative impact on your or your loved one’s credit.

We begin by looking at your home, other real-estate, insurance policies, and any investment or retirement accounts you share with us to determine which can be used as the basis for financial assistance.

Depending on the solution you feel is best for your family, we may conduct a soft credit inquiry; however, we will not do so without your approval.

What are the options?

Bridge Loans

Access $5,000 to $50,000 within a matter of days. 

A personal loan is a fast and simple way to access money in the short term to cover transition expenses or provide the cash needed while a home equity or insurance transaction is in process.

Start With a Call

Same day answers

Worthright works with you to qualify for a loan and can share results in as little as one day

Never any application fees

Worthright leverages a network of national lending partners and never charges a fee to apply

Receive funds within days

Worthright can secure funding and help process your loan in as little as a few days.

Secure, simple cloud-based portal

Loan qualifiction is based on debt:income ratio; multiple family members can join the application to ensure you

Real Estate Solutions

Access up to 85% of the equity in your home. 

Real estate is typically a family’s largest asset, though many don’t let it work for them.

While selling a home is one option, there are many more that allow you to access the equity in your while you or a loved one still lives in it.

Equity is calculated by subtracting the outstanding mortgage balance from the property’s value. The difference is the equity owned in the home. Most lenders allow the borrower to access up to 85% of that equity.

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Home Equity Line of Credit (HELOC)

A home equity line of credit, or HELOC, is a second mortgage that gives you access to cash based on the value of your home. You can draw from a home equity line of credit and repay all or some of it monthly, somewhat like a credit card.

Cash-Out Refinancing

Cash out refinancing is when you refinance your existing loan with a new mortgage that has a higher balance. The difference between the two loans is distributed to you as cash.

Reverse Mortgage (HECM)

A reverse mortgage is a type of loan where the lender pays the borrower each month. The loan does not have to be repaid until the house is sold or vacated, though it can be repaid through regular payments.

Home Equity Loan

A home equity loan can provide you with cash in the form of a lump-sum payment that you pay back at a fixed interest rate.

Home Rental

Renting a home can be a great way to generate income from the home without selling it. There are many options to generate rental income without the hassle of being a landlord.

Insurance Solutions

Access up to 50% of the face value of your life insurance policy. 

Life Insurance is an under-utilized tool for those who own it. There are many ways to use a life insurance policy to your benefit, rather than surrendering it to the insurance company or simply waiting for someone to pass. 

A common misconception is that the only value in the policy is the “cash value”. Everything Worthright calculates is based on the Face Value, or “total benefit” of a policy, giving owners access to a lot more money.

Start With a Call

Refinance the policy and take cash out

By refinancing the policy, a policy holder is able to retain a portion of the policy, is no longer required to make premium payments, and receives a lump-sum payout immediately.

Conversion to lump-sum payout

Sometimes called a “life settlement”; a policy owner can convert the policy into a lump-sum payout.

Conversion to lifetime income stream

Similar to a life settlement; a policy owner can convert the value of the policy into a stream of income, paid to them monthly.

Other Helpful Services from Worthright

VA Benefits

Generate up to $3,000 per month in federal benefits. 

The Department of Veterans Affairs (aka: The VA) provides a pension to veterans, with additional benefits to help pay for senior care. They provide this benefit to the veteran, and often a surviving spouse.

Have us call you

Help determining if your parents or loved ones are likely to qualify

Application filing assistance from experienced agents

Guidance from accredited agents and attorneys

Long Term Care (LTC) 

Long-term care insurance is a powerful tool, but only around 9% of people are holders of a policy.

Understanding a policy and filing claims can be extremely overwhelming leading to mistakes in filing and sometimes a loss of coverage.

Start with a call

Help determining if services will be covered

Policy review from a licensed professional

Support filing claims

Ready to get started?

Schedule time with a Worthright Advocate or dive right in. 

We offer a moneyback guarantee for anyone who isn’t happy with their experience with us.

About Worthright

We're on a mission to answer the fundamental question of how to live and afford a wonderful life as we age.