Asset-based long-term care insurance strategies define the specialty at Dice Insurance Services, located on Kettner Boulevard in downtown San Diego's Middletown district. The agency's ZeroCostLTC approach repositions existing assets into hybrid life-and-LTC policies with tax-advantaged death benefits, a planning structure that coordinates with the estate-focused tax work performed at firms like Kornfeld and Levy, CPAs in Bankers Hill. Dice Insurance holds California Department of Insurance licensing for life, accident, and health lines, allowing the agency to write standalone LTC, hybrid universal-life-with-LTC-rider, and annuity-based care-funding products. Policy delivery and beneficiary-designation documents often require notarized execution, a step handled by mobile services like Signature Notary San Diego for clients finalizing irrevocable beneficiary elections. Highest-value cases structure 1035 tax-free exchanges from underperforming annuities into asset-based LTC contracts with shared-benefit riders, leveraging IRC Section 7702B qualification to shelter care-expense reimbursements from federal income tax.