Warm Touch Enrollment & Communication

Hybrid & Traditional Long-Term Care Insurance Exchanges for Employers and Associations

The advantage of working with us is that we are independent and have access to all of the major insurance companies products. Because not all products are created equal we may be able to save you hundreds of thousands of dollars.

RetirementGuard is a leader in the development of Hybrid and Traditional long-term care insurance exchanges in employee benefit environments and in Association member benefit environments.

Currently there is no single “best” insurance company for everyone- your demographic is diverse. Some insurance company options have a sweet spot for couples applying together- another company is best for women applying alone (Most companies’ recently increased premiums 30% for females- in recognition that they account for 70% of claims). And the “group” carriers no longer issue coverage on a guaranteed basis- yet their high premium rates reflect old adverse selection assumptions

Solution - After careful vetting our exchange offers insurance company choice that will be attractive to almost everyone. It offers a choice with the most “user friendly” contractual language. Another has the lowest premiums for couples applying together- and yet another provides the most attractive option for women applying alone.

RetirementGuard’s exchange combines sophisticated web based technology in tandem with concierge level hand holding. This can be complicated- and our senior advisors assure that employees and association members will make informed decisions based upon criteria which is most important to them.

RetirementGuard specializes in physical and cognitive based loss insurance programs- and because of our specialization we can provide a level of expertise and service which will be impossible to find elsewhere.

Life Insurance Planning for Financial Well Being

An innovative voluntary program that empowers employees

This innovative voluntary program empowers your employees to improve their financial well being. Permanent life insurance coverage, life insurance reviews, and family readiness and legacy planning can be key components of financial wellness. RetirementGuard, in affiliation with MassMutualSM, has created a multifaceted product and service offering which can be of immense importance to many of your employees.

The program has three components that can be implemented independently of one another, or in their entirety.


— a place where things are exchanged, especially a center where financial instruments are bought and sold.

Primarily because of the historically low interest rate environment, the long-term care insurance industry has been in transition. The fact is no single insurance company can be "best" for everyone- and this is particularly true today. To serve the needs of a diverse employee demographic you might consider our exchange format. We typically make four insurance company choices available- one or two might even provide liberalized underwriting. Depending on the age, gender, and health of the employee or family member we can guide them, objectively, to the insurance company choice which will best meet their needs.



massmutual@worksm Group WholeLife Insurance

Permanent whole life insurance on a guarantee issue basis provided by one of the world’s leading and most highly rated financial service organizations. The plan is dividend eligible and provides guaranteed cash value, guaranteed current and paid up death benefits, and a guaranteed level premium with tax favored cash build up and income tax free death benefits.

How this component can help

Life Insurance Review

This can be an extremely important service (provided without cost) because sophisticated life insurance professionals will not work with a sizeable portion of your employee demographic.

How this component can help

Many employees do not have access to sophisticated planning that can be provided with significantly discounted fees.

Family Readiness Planning

Legacy Planning


Privacy Policy

RetirementGuard's mission is to enhance quality of life and peace of mind. We believe the interest of our clients always come first. As a current or future client we need you to know that we are committed to maintaining your trust; protecting your privacy and the personal information you provide to us.

We only collect, use and share your personal information in order to provide you with and maintain the insurance products and services you have requested, or as permitted or required by law.

We will not share your information with any non-affiliated company for the purpose of that company marketing its products or services to you. We do not sell any information about you nor do we sell our customer lists.

Information collection

An essential part of the insurance application process is getting to know you. In this regard, we will need to collect some specific information from you and about you.

We will ask you to provide, among other things, personal data such as your name, address, date of birth, social security number, marital status, home address, phone numbers, email address and place of employment. In most cases you will also need to provide the names of your physicians, medications you are taking and illnesses or conditions you have or have had. Lastly, to ensure that you can afford the insurance you are interested in purchasing, questions related to your annual income range, savings and investments.

We would require the above information for the following:

Sharing information

When you provide information to us, we may share your information with our affiliated insurance companies for the purpose of fulfilling underwriting requests as well as offering you other services that may be of interest to you.

How is your information secured and protected?

We treat what we know about you confidentially. The website uses encryption and authentication tools to protect any personal information you send us via the Internet. Internally we take steps to make our computer data bases secure and to safeguard the information we have collected about you.

We require confidential treatment of your information and take care in handling your information. Employees who misuse customer information are subject to disciplinary action.

To contact us, to view or to update your information

If you wish to update or view your personal information or if you have any questions about this Privacy Policy, you may contact us by sending a letter via the U.S. Mail to: