ABOUT US

At Amplify Insurance Solutions, we specialize in asset-based long-term care solutions that provide guaranteed protection against long-term care expenses while preserving your assets. Our CLTC-certified professionals help you navigate the complexities of long-term care planning with strategies that offer premium guarantees, death benefits, and return of premium options not typically available with traditional approaches.

Our Mission

At Amplify Insurance Solutions, we help successful individuals and business owners protect what matters most—their families, their independence, their businesses, and their financial legacy through thoughtful long-term care planning with asset-based solutions.

Our Story

A Personal Journey That Shaped Our Purpose

Like many of our clients, my path to long-term care planning began with a deeply personal experience. When my mother needed care, I witnessed firsthand how profoundly an unexpected care event impacts not just the person needing assistance, but the entire family.

The emotional toll was immense—watching a loved one struggle while family members put their own lives on hold to provide care. The physical demands on my family members were exhausting and unsustainable. And despite careful financial planning in other areas, we discovered how quickly care costs can undermine decades of financial preparation.

That experience revealed a critical gap in traditional financial planning. Even well-prepared families often overlook how a care event creates two devastating consequences:

First, the personal consequences:

Providing care seriously impacts the emotional and physical wellbeing of family caregivers, often leading to strained relationships, career disruptions, and caregiver burnout.

Second, the financial consequences:

Paying for care disrupts every plan created to secure financial viability, forcing difficult choices about lifestyle, commitments, and legacy.

This realization led me to dedicate my professional life to helping families and business owners avoid these painful consequences through proactive long-term care planning, focusing on innovative asset-based solutions that protect both personal relationships and financial security.

Today, we at Amplify Insurance Solutions are privileged to help individuals, families, and businesses address these critical issues with clarity, compassion, and confidence.

Our Approach to Asset-Based Long-term Care Planning

Education With Empathy

We empower you with knowledge that matters. Long-term care planning isn't about frightening statistics—it's about understanding the real consequences to those you love and creating a plan that protects them with solutions offering guaranteed benefits and return of premium options.

Personalized Planning

We take the time to understand your unique situation, values, and financial commitments before recommending asset-based long-term care solutions that align with your specific needs while providing maximum flexibility and control.

Thoughtful Implementation

Our exclusive 5-step planning process guides you from initial discovery to policy implementation, ensuring you have the right protection in place through both virtual consultations and in-person meetings throughout Southern California.

Meet Our Long-term Care Professionals

Zach Ott, CLTC®

Founder and Long-term care Planning Specialist

With 21 years of experience in financial services and specialized training in long-term care planning, Zach leads Amplify Insurance Solutions, helping clients understand the often-overlooked risks to retirement security, business continuity, and family wellbeing.

As a Certified in Long-Term Care (CLTC) professional, he focuses on asset-based long-term care solutions that provide both protection and financial flexibility. Zach's extensive industry background includes Regional Vice President and distribution leadership roles with major insurance carriers including AIG, Lincoln Financial Group, Sun Life of Canada, Empower, and Sammons Financial Group. This insider experience gives him unique insights into product design, underwriting considerations, and implementation strategies that benefit our clients.

At Amplify, Zach works with a dedicated group of long-term care specialists, case managers, and client service professionals. Together, they serve successful individuals and couples ages 50-65 who want to protect their retirement portfolios from the impact of long-term care costs while preserving their ability to leave a legacy. The Amplify professionals also partner with business owners seeking tax-advantaged executive benefit solutions that enhance key employee retention in today's competitive talent market. Their specialized strategies help businesses create meaningful benefits packages that protect both the company's intellectual capital and its long-term stability.

Client Stories

The Double-Counting Dilemma

The Family Caregiver's Relief

Recently, we met with a couple who believed their $2 million retirement portfolio was more than enough to self-fund any future care needs. When we examined their retirement income plan, they realized they were counting on those same assets to generate income for lifestyle commitments and fulfill significant legacy goals for their children and favorite charities.

By implementing an asset-based long-term care strategy, they leveraged a portion of their assets to create a dedicated care fund with a return of premium feature—protecting their care needs, retirement income, and cherished legacy intentions, including continued support for charitable foundations and preserving the family vacation property that had been the center of family gatherings for generations.

A client came to Amplify after watching her mother care for her father for nearly 5 years, witnessing her mother's deteriorating health, strained family relationships, and evaporated retirement dreams. "I never want to put my children through that," she told us.

Together, we created a plan that would provide professional care if needed, allowing her children to remain children—supervising care rather than providing it. The peace of mind this brought to her entire family was immeasurable.

The Family Caregiver's Relief

Recently, we met with a couple who believed their $3 million portfolio was more than enough to self-fund any future care needs. When we examined their retirement income plan, they realized they were counting on those same assets to generate income for lifestyle commitments and fulfill significant legacy goals for their children and favorite charities.

By implementing an asset-based long-term care strategy, they leveraged a portion of their assets to create a dedicated care fund with a return of premium feature—protecting their care needs, retirement income, and cherished legacy intentions, including continued support for charitable foundations and preserving the family vacation property that had been the center of family gatherings for generations.

The Business Continuity Solution

A successful law firm partner approached us concerned about what would happen to his practice and clients if he or his spouse needed long-term care, potentially disrupting his business and draining company resources.

We developed a specialized asset-based long-term care strategy that protected both his personal finances and business interests while creating significant tax advantages. By implementing the strategy through the business, they established potentially tax-deductible premium payments while providing a valuable executive benefit that helped attract and retain top legal talent.

The firm extended similar coverage to senior associates as part of an enhanced benefits package, creating a competitive advantage in recruitment while addressing succession planning concerns—strengthening the firm's long-term talent retention strategy while protecting his family's financial security.

Frequently Asked Questions

What makes Amplify Insurance Solutions different from other insurance and financial professionals?

Unlike general insurance agents or financial professionals, we specialize exclusively in extended care planning with asset-based solutions. This specialization provides deeper expertise and more innovative strategies than professionals who only occasionally address this critical area.

Our singular focus means we stay current with the latest product innovations, underwriting trends, and planning strategies.

Do you only work with wealthy clients and large businesses?

We work with individuals who have accumulated meaningful assets and want to protect them from the impact of extended care costs.

We also partner with business owners of all sizes who want to provide valuable extended care benefits in today's competitive job market, creating attractive executive benefits packages that help attract and retain key talent while providing tax advantages.

What's your process for working with clients?

Our process begins with understanding what's important to you—your values, commitments, and concerns. We then educate you about the potential consequences of an extended care event, create a plan that protects both personal relationships and financial security, and implement appropriate asset-based funding solutions while coordinating with your other advisors as needed.

How do you help business owners specifically?

At Amplify, we develop specialized asset-based extended care strategies addressing both personal and business concerns:

✅ Tax-Advantaged Planning: Solutions that may provide significant tax benefits, including potentially tax-deductible premiums, tax-free benefits, and favorable treatment for policy cash values.

✅ Key Talent Retention: Executive benefit programs that help attract and retain essential team members in today's competitive job market.

✅ Business Continuity Protection: Strategies that safeguard operations if you or a key team member requires extended care.

✅ Succession Planning Enhancement: Solutions that integrate with succession planning, preventing premature or undervalued business sales.

✅ Intellectual Capital Preservation: Frameworks for extended care that protect the intellectual capital driving your business success.

✅ Customizable Implementation: Flexible programs aligned with your business structure, budget, and objectives.

What types of asset-based long-term care solutions do you offer?

We provide specialized asset-based long-term care solutions from top-rated insurance carriers, focusing exclusively on comprehensive hybrid policies—primarily whole life insurance with long-term care benefits and annuity-based long-term care products.

These dedicated solutions offer substantial extended care benefits while maintaining liquidity through return of premium options, with guaranteed premiums, guaranteed benefits, and assured value regardless of whether care is needed.

Do you offer both virtual and in-person consultations?

Yes, we provide both convenient virtual consultations and in-person meetings throughout Southern California, accommodating your preferences and including family members regardless of their location.

Ready to Protect What Matters Most?

Schedule a complimentary consultation to discuss your specific situation and learn how we can help safeguard your family relationships, business interests, and financial security with asset-based long-term care solutions.