Long-Term Care and Disability
Don't let an illness or injury force you to sell.
Long-term care and disability coverage. The two protections that keep an extended illness or a lost income from forcing you to sell the position you spent years building.
Section 01
Risks people forget to plan for.
Planning around a crypto position usually focuses on growth, tax, and succession. Two risks get less attention and do more damage. A long-term care event, where years of paid care fall largely outside health insurance and Medicare. And a disability during working years, where an injury or illness cuts off income while expenses continue.
Both arrive without warning, run for years, and are naturally paid by selling assets. For a concentrated crypto holder, that means liquidating under pressure. This coverage pays benefits when these events occur, so the position stays intact.
Section 02
Two ways to cover long-term care.
Long-term care is expensive, extended, and largely outside what health insurance and Medicare cover.
Benefits generally begin once you cannot perform a set number of daily living activities or have a cognitive impairment, after an elimination period.
Standalone long-term care
A dedicated policy that pays toward qualifying care. Lower premiums per dollar of benefit, but premiums can rise, and nothing is returned if care is never needed.
Hybrid coverage
A life or annuity contract with a long-term care benefit. It pays for care if needed. If not, remaining value passes to beneficiaries. Higher, often fixed premiums.
Section 03
Protecting your income while you're still working.
Disability income replaces a portion of earned income if illness or injury stops you from working. The definition matters most. Own-occupation pays if you cannot perform your specific occupation, which is broader and more expensive. Any-occupation pays only if you cannot work any suitable role, which is narrower and cheaper.
Benefit period, waiting period, and inflation adjustment shape what the coverage is worth. DAG places across carriers and matches the terms to your situation.
Benefits
Why people carry both.
Care without a forced sale
Long-term care benefits pay toward extended care, so a multi-year event does not require liquidating under pressure.
Income protected
Disability coverage replaces part of earned income if you cannot work.
Hybrid value if unused
Life and annuity hybrids return remaining value to beneficiaries if care is never needed, at a higher premium.
Definitions matched to your work
Own-occupation and any-occupation options selected to fit how you earn.
The balance sheet stays intact
Both protections keep an unplanned event from draining the wealth the plan is built around.
Independent carrier selection
Coverage shopped across carriers, subject to availability and underwriting.
Did you know
Standard health insurance and Medicare cover very little long-term custodial care, the extended daily assistance most people eventually need. That gap is what long-term care coverage fills. Triggers and covered settings vary by policy.
When benefits begin
Long-term care benefits generally begin once a person cannot perform a set number of daily living activities or has a cognitive impairment, after a policy-defined elimination period.
FAQ
Frequently asked.
Next step
The coverage many people overlook, and later wish they hadn't.
A coverage review starts with your circumstances, your income, and how your current coverage performs. Guided by our licensed professionals, it surfaces gaps that are easy to miss. Most clients leave with a written summary and a clear view of where their exposure sits.
Insurance disclosures
Insurance products and services are offered through DAG Insurance, a South Dakota limited liability company licensed as an insurance producer ("Xure Legacy Insurance Agency"), or its affiliates. DAG Insurance does not provide investment advisory or brokerage services. Investment advisory services are provided by its affiliate, DAG Wealth, an SEC-Registered Investment Adviser. Xure Legacy Insurance Agency is not a Registered Investment Adviser and does not provide investment advisory services. Administrative and support services are provided by DAG Private Client.
Insurance products are not securities, are not FDIC insured, and are not guaranteed by any federal or state government agency. Policy values may fluctuate and benefits are subject to the claims-paying ability of the issuing insurance carrier. Clients are encouraged to review all policy documents carefully prior to purchase.
DAG Insurance and its affiliates operate in connection with digital asset and alternative investment strategies, including the potential use of permanent life insurance products for estate liquidity, wealth transfer, and risk management planning in portfolios that may include digital assets. Life insurance products involve their own risks and considerations, including policy performance versus illustrations, carrier financial strength, liquidity provisions, premium sustainability, and tax treatment. Investing in digital assets involves substantial risk, including but not limited to: extreme price volatility and the potential for significant or total loss of principal; cybersecurity, hacking, theft, and custody risks; regulatory, legal, and tax uncertainty; illiquidity; and the possibility that such investments may not be suitable for all investors. Digital asset markets have historically experienced drawdowns. Past performance is not indicative of future results. All investments and insurance products involve risk of loss.
Recommendations regarding insurance products are subject to a suitability analysis based on the client's individual circumstances. Any compensation arrangements, including trails or other payments to affiliates or individuals, are disclosed as required by applicable regulations. Clients should consult with qualified insurance, legal, and tax professionals. Additional disclosures are available upon request.
Compensation disclosure: Certain licensed financial professionals associated with DAG Holdings may receive referral fees or commissions for insurance products sold through Xure Legacy Insurance Agency. This compensation creates a conflict of interest, as it may incentivize recommendations based on compensation rather than on client need. Clients are not required to purchase insurance products through Xure Legacy or any DAG affiliate. All referrals and recommendations are made only where determined appropriate for the client's specific needs. All compensation is disclosed prior to purchase.
Disclosures
DAG Holdings Co is a holding company that does not provide investment advisory, brokerage, administrative, or insurance services to clients. DAG is not a law firm, does not provide legal or tax advice, and does not provide tax preparation services. Tax matters are handled through referrals to independent qualified tax professionals.
DAG Private Client services involve estate matters that require qualified independent counsel in the applicable jurisdiction. LLC formation, trust drafting, and estate planning services are provided in coordination with or by qualified independent legal counsel licensed in the applicable jurisdiction.
Asset protection structures, including Wyoming LLCs and trusts, do not guarantee protection against all claims, creditors, or losses. Outcomes depend on specific facts, jurisdiction, and applicable law.
Insurance products and services are offered through Xure Insurance or its affiliates.
Investment advisory services are offered exclusively through DAG Wealth, an SEC-Registered Investment Adviser (CRD No. 328627). Registration with the SEC does not imply a particular level of skill or training. Form ADV and Form CRS are available upon request or at www.adviserinfo.sec.gov.
Custody arrangements with third-party independent qualified custodians reduce certain risks but do not eliminate them.
Investing in digital assets involves risk, including the possible loss of principal. Digital assets are highly volatile and may not be suitable for all investors. Past performance is not indicative of future results.
Specific fee schedules, scope of engagement, conflicts of interest, and material business practices are disclosed in writing before engagement and in Form ADV Part 2A for the investment-advisory portion.
The information on this site is for general educational purposes and is not legal or tax advice.