The Care@Home Guarantee™ is built for homeowners who want to stay in the place they love, receive professional care at home, and enjoy a monthly income for life, without loans, debt, or market risk.
Who the Care@Home Guarantee™ is Designed For
The program is designed for people who say,
“I want to stay in my home, but I don’t know how I’ll afford care and everyday expenses later in life,”
solving an “age‑old problem” for senior homeowners.
It is especially suited for:
- Senior homeowners who plan to age in place instead of moving into a care home, and want a structured way to fund that choice.
- Individuals or couples whose house is their biggest asset but whose retirement income feels tight (“house rich, cash poor”).
- Families who want predictable, guaranteed in‑home care and a steady income for their parents or loved ones, rather than worrying about rising costs and running out of money.
- People who value stability and want a clear plan now, instead of waiting for a crisis later.
When the Care@Home Guarantee™ May Not Be the Right Fit
This program is powerful, but it is not for everyone.
Use this quick self‑screen as a guide:
- You are younger than the typical starting age range for the program (for example, well under 65) and not planning for retirement yet.
- You do not own a home, or you have very little equity in your home.
- You expect to move soon (for example, planning to relocate or downsize in the next few years).
- You prefer to use traditional loans, reverse mortgages or investment accounts instead of a structured guarantee.
- Your health is already very fragile, and you may need nursing home–level care immediately rather than in‑home support over time.
If several of these apply, the Care@Home Guarantee™ might not be the best match right now, but a conversation with the team can help you confirm.
The 3 Qualification Pillars
Eligibility for the Care@Home Guarantee™ is based on three main pillars: age, health, and home equity.
1. Age: Why It Matters
Age is important because the program is built around lifetime care and lifetime income.
- The insurance partners use your age to calculate the amount of monthly income and care that can be guaranteed for life.
- A 70‑year‑old homeowner in good health with strong equity is a typical example of someone who could qualify.
- In general, the program is aimed at seniors approaching or in retirement, not young homeowners.
2. Health: What “In Good Health” Means
You do not have to be perfectly healthy, but you generally should be in reasonable health for your age.
“In good health” for pre‑qualification often means:
- You are living at home independently or with light help.
- You do not currently require full‑time skilled nursing or intensive medical care at home.
- You may have common age‑related conditions, but they are being managed.
Health matters because the program is designed to support you before your care needs become a crisis, giving you lifetime coverage for future care.
3. Home Equity: The Engine Behind Care + Income
Your home equity is what powers the Care@Home Guarantee™.
- Equity is the value of your home minus any mortgage or liens.
- The greater your equity, the larger the monthly income annuity you can receive for life.
- That same equity also pre‑pays your unlimited in‑home care policy.
You are not borrowing against your equity. Instead, that equity is converted into fully funded, non‑cancellable insurance benefits that last as long as you do.
Home Requirements (Property Qualification)
To qualify, your property must meet certain basic requirements related to equity, value, and location.
“Mortgage‑Free” vs. “Equity” Explained
You do not always have to be completely mortgage‑free, but you do need meaningful equity.
- Mortgage‑free: You own your home outright. In this case, all of the home’s value becomes available equity.
- Equity with a mortgage: You might still have a small remaining mortgage, but the home’s value is much higher than the debt.
In both cases, what really matters is how much equity is available to fund your care and income for life.
Minimum Home Value and Why It Matters
Higher home values generally support higher monthly income and stronger care funding.
- A higher‑value home usually means more equity, especially if your mortgage is small or already paid off.
- More equity can translate into a larger lifetime income annuity and the same unlimited in‑home care coverage.
Location and Coverage Area
The program must be available in your region for you to qualify.
- Availability can depend on where your home is located and where Care@Home’s insurance and service partners are licensed and operating.
- During pre‑qualification, your address will be used to confirm that the Care@Home Guarantee™ can be offered in your area.
You can begin this check through the “Unlock Lifetime Care” section of the qualification process.
The “Stay in Your Home” Promise
At the heart of the Care@Home Guarantee™ is a simple promise: you can stay in your home for life, with care and income already arranged.
Your home is:
- Your place of independence, where you make your own choices.
- Your place of comfort: your neighborhood, your memories, your routines.
- Your place of dignity: you stay in familiar surroundings, not a facility, if you can safely remain at home.
With the Care@Home Guarantee™:
- Title to your home is held by a licensed escrow agent as part of the guarantee structure, but it remains your home to live in just as you always have.
- You are not taking out a loan, nor are you making monthly mortgage payments.
- Your in‑home care and your lifetime income are fully prepaid through regulated insurance partners.
Give Your Family the Gift of Peace!
You have spent a lifetime building equity in your home. Now let that equity work for you, without borrowing a single dollar.
Curious if you qualify? Download our free guide or contact us today to see how your home equity can pay for your care with no loans, no interest, and no stress.
