Mischa Wright Insurance Agency – Independent Long-Term Care Planning
Independent Long-Term Care Specialist

Independent Long-Term Care Planning, Done the Right Way

Mischa Wright Insurance Agency is an independent, all-carrier long-term care insurance agency. We help you understand your options, compare leading companies, and choose a plan with confidence — with zero pressure.

  • Clear, jargon-free explanations of traditional and hybrid LTC options
  • Independent access to top-rated LTC carriers in all 50 states
  • Personalized plan designs aligned with your health, budget, and goals
  • Guidance through application, underwriting, and policy setup

A Calm, Clear Path to Long-Term Care Planning

Planning for future care is important — but it doesn’t have to feel overwhelming. Mischa Wright Insurance Agency specializes exclusively in long-term care solutions. We listen first, educate you on your choices, and then carefully match you with plans from multiple carriers so you can decide what feels right.

Education First

We start with simple, plain-English explanations so you understand what long-term care insurance is, what it covers, and how it fits into your overall financial picture.

Independent, All-Carrier Access

We are not tied to any single company. We compare leading LTC carriers to find the right combination of benefits, features, and cost for you.

End-to-End Guidance

From the first question to policy delivery — and for years after — we’re here to help you navigate underwriting, changes in health, and evolving goals.

See exactly how we work →

Your Long-Term Care Options, Explained Simply

There is no one “right” way to plan for long-term care. The best solution is the one that fits your health, your finances, and your comfort level. As an independent specialist, Mischa Wright Insurance Agency helps you evaluate:

Traditional Long-Term Care Insurance

Coverage designed specifically for long-term care costs such as assisted living, home care, and memory care.

  • Typically offers strong benefits per premium dollar
  • Customizable benefit periods and monthly amounts
  • May include shared benefits for couples

Hybrid LTC (Life Insurance with LTC Benefits)

Combines life insurance with long-term care protection.

  • If you need care, a portion of the life insurance benefit can be used to pay for it
  • If you never need care, your beneficiaries receive a death benefit
  • Can coordinate with broader legacy planning

Linked-Benefit / Asset-Based Solutions

Often funded with a lump sum or limited payments using existing assets.

  • Leverages cash or savings into LTC benefits
  • May offer premium or benefit guarantees
  • Attractive for those who dislike “use it or lose it”

Customized Combinations

For many clients, the answer is a thoughtful mix of these approaches.

  • Side-by-side illustrations of multiple strategies
  • Flexible design around your budget
  • Clear explanation of trade-offs and choices

Talk through which option fits you best →

Why Working With an Independent LTC Specialist Matters

Long-term care insurance is highly specialized — and every carrier designs products differently. Because Mischa Wright Insurance Agency is fully independent and appointed with multiple top-tier insurers, we are free to recommend the plan that best fits you, not the one that fits a quota.

  • All-Carrier View: Compare plans across top LTC carriers nationwide.
  • Unbiased Advice: No single company gets preferred treatment — your needs come first.
  • Transparent Comparisons: Side-by-side illustrations of benefits, premiums, and trade-offs.
  • Licensed in All 50 States: Support wherever you live or move within the U.S.

See our planning process →

Trust & Credibility

LTC planning is not a one-time transaction — it’s a long-term relationship. Clients work with Mischa Wright Insurance Agency because they value straight talk, careful analysis, and ongoing support as life unfolds.

Independent, LTC-Focused
Specialized guidance, not a generalist shop.
Licensed Nationwide
Helping clients across all 50 states.
Education-First Approach
No pressure, just clarity and options.

A Few Common Questions

Do I have to buy anything after our first call?

No. The 15-minute intro call is simply a conversation. You’ll share a bit about your situation, we’ll answer your initial questions, and we’ll both decide if it makes sense to take the next step.

I’m not sure I even want LTC insurance yet. Is that okay?

Absolutely. Many clients come to us just wanting clarity. Our goal is to help you understand how LTC coverage works, what it costs, and whether it fits your overall plan — not to push you into a decision.

Which insurance companies do you work with?

As an independent agency, Mischa Wright Insurance Agency works with multiple top-rated long-term care insurance carriers. That means we can compare a variety of plans and help you choose the one that best fits your needs.

Can you work with me if I don’t live in your state?

Yes. We’re licensed in all 50 U.S. states and regularly work with clients over phone and video.

How much time will this take?

The intro call is 15 minutes. From there, most clients decide on a direction within a few conversations, and underwriting typically takes a few weeks depending on the carrier and your health history.

View the full FAQ →

Ready to Understand Your Long-Term Care Options?

Schedule a brief, no-obligation conversation to explore whether LTC coverage makes sense for you.

Schedule My 15-Minute Intro Call
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