Life and Long-Term Care Insurance Options

Life insurance is one of the most important tools for providing financial protection for your loved ones in the event of your unexpected death. It provides your family with a tax-free lump sum of money—known as the death benefit—to help cover expenses like:

• Cost of a funeral and burial
• Mortgage or rent payments
• Every day living expenses
• Debt repayment
• Future education costs

Whether you’re just starting a family, nearing retirement, or planning for business continuity, LSB can help you find the best life insurance policy for your goals.

Common Types of Life Insurance

• Term Life Insurance – Affordable coverage for a set period (e.g., 10, 20, or 30 years)
• Whole Life Insurance – Permanent coverage that builds cash value over time
• Universal Life Insurance – Flexible coverage that can adjust with your needs

Need a life insurance quote in Iowa? We can help you compare policies and premiums that fit your budget and financial needs.

Did you know that 70% of Americans turning 65 will need some form of long-term care?

Long-term care insurance helps cover the cost of care if you develop a chronic illness, disability, or cognitive condition that limits your ability to perform everyday activities like bathing, dressing, or eating.

Without coverage, these services—often delivered in your home, an assisted living facility, or a nursing home—can be costly..

What Long-Term Care Insurance Covers:

• In-home care services
• Assisted living and adult day care
• Nursing home care
• Memory care for Alzheimer’s or dementia

Protect your assets and your independence. Let’s talk about your options for long-term care insurance in Iowa.

At Leighton State Bank, we believe in holistic financial planning. That’s why we help clients explore combined insurance strategies that offer more value and flexibility.

Hybrid Insurance Solutions:

• Life Insurance with a Long-Term Care Rider – Use part of your life insurance benefit to pay for long-term care expenses.
• Linked-Benefit Policies – Get long-term care protection and, if unused, a death benefit goes to your heirs.
• Standalone Life & LTC Policies – For those who want to keep coverage types separate but aligned.

This approach ensures you’re covered for whatever life throws your way, without paying for benefits you may never use.

If you’re a business owner, life insurance can also help protect your company in case of the loss of an owner or key employee. Ask us about:

• Key Person Insurance

• Buy-Sell Agreements

• Business Succession Planning

We’re here to help you keep your business stable through all of life’s stages.

Since 1911, Leighton State Bank has served Iowa families and businesses with honesty, flexibility, and personal care. Our Wealth Management Office in Pella is dedicated to helping you protect what matters most.

When you work with us, you get:

• A trusted local advisor who knows your goals
• Tailored life and long-term care insurance options
• Clear explanations—no jargon
• Help comparing quotes and understanding costs

We’re not just here to sell insurance—we’re here to help you grow financially strong with a smart, secure plan for the future.

Ready to explore life insurance and long-term care insurance options that work for you and your loved ones? Contact Leighton State Bank today to speak with one of our knowledgeable and friendly insurance professionals.