Lesk is More.
More coverage. More benefits. More peace of mind — often for less than you’re paying today.
Todd Lesk has spent more than 27 years helping South Florida families put the right life insurance in place. Today’s policies can fund long-term care, replace income, and grow cash value — and a free written policy review shows you exactly what “more” looks like for your family.
of Americans turning 65 will need some form of long-term care in their lifetime (U.S. Dept. of Health & Human Services)
national median cost of a private nursing-home room per year (CareScout Cost of Care Survey, 2025)
national median cost of assisted living per year (CareScout, 2025)
Life insurance pricing has fallen meaningfully over the past decade as carriers adopted updated mortality tables. A policy bought years ago is often more expensive than what’s available today.
The choices you make today decide whether a long-term care event becomes a plan or a crisis.
Most families assume Medicare or their savings will cover care. Medicare doesn’t cover custodial care, and savings meant for a spouse or children get spent in years, not decades. A life insurance policy with a long-term care rider solves both problems with one contract: if you need care, the death benefit advances to pay for it; if you never need care, your family receives the full benefit. Nothing is wasted.
Three situations we see every week
Families with a mortgage and kids
If something happened to you this year, could your spouse keep the house and get the kids through school? A properly sized term or permanent policy answers that question for a few dollars a day.
Pre-retirees, 50–65
You’ve built assets. Now the risk isn’t dying too soon — it’s living long enough to need care. An LTC rider protects the nest egg from a $100,000-a-year care bill, and you don’t lose the premium if you stay healthy.
Anyone with an old policy
Policies bought in your 30s or 40s were priced on outdated mortality tables. A free review often finds the same coverage available for less, or more coverage (including LTC benefits) for the same premium.
Independent. Explained in plain English.
Lesk Life Insurance works with the nation’s top-rated carriers and takes no sides between them. Every recommendation is explained before you sign, and we only move forward when you’re comfortable.
Life Insurance with Long-Term Care Benefits
One policy, two jobs. A hybrid or rider-based policy pays your family if you pass away — and advances the benefit to pay for home care, assisted living, or a nursing home if you need it first. Premiums are typically guaranteed for life, unlike traditional LTC insurance.
See how it works →Free Policy Reviews
Bring us any policy — ours or someone else’s. We’ll check that it’s still doing the job you bought it for, compare it against today’s pricing, and show you in writing whether to keep, improve, or replace it. No cost, no obligation, no pressure.
Request a review →Life Insurance for Family Protection
Term and permanent policies sized to your mortgage, income, and your kids’ education — so the people who depend on you are protected no matter what.
Protect your family →Cash Value and Tax-Advantaged Income
Properly structured permanent policies build cash value shielded from market losses. That cash can be accessed through policy loans and withdrawals, generally free of income tax, to supplement retirement income.
Learn more →“In a dog-eat-dog world full of fraudsters, Todd Lesk has proven to be the exact opposite over the twelve-plus years I’ve trusted him. I give him all the credit for securing my retirement income and giving me peace of mind for my family’s financial future. His knowledge, integrity, and friendship mean the world to me.”
John L · Client of Lesk Life Insurance
Not sure what your current policy is actually doing for you?
Send us a copy of your policy statement. Within a few days you’ll have a plain-English summary of what it covers, what it costs, and what could be better.