Financial Options
for families seeking long-term care

Worthright looks deeper and gets creative about what options a family has.

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.

Does this impact a credit score?

Nothing Worthright does has any impact on a family's credit.

 Depending on what a family would like to consider, we may conduct a soft inquiry; however, will never do so without the express permission of a family.


What information do you need?

That depends - for most options we simply need a name, address and date of birth. However, we work directly with the Department of Veteran's Affairs, as well as various Insurance Companies and may require more information under certain circumstances.

What are the options?

Unique Bridge Loans

Access $5,000 to $100,000 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.

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.

Real Estate Solutions

Access up to 80% 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 80% of that equity.

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.

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 Powerful 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.

Immediate pre-qualification for any VA Benefit that is available

Application filing assistance and guidance from experienced agents

Long Term Care (LTC) 
Insurance

Long-term care insurance is a powerful, but complex tool.



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

Help determining if services will be covered

Policy review from a licensed professional

Support filing claims

Offer Worthright's program to your clients

Schedule an overview of the Worthright program or explore how it can help your business and your client families.

About Worthright

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