About Us

Long-Term Care Insurance Specialists holding the CLTC designation [Certified in Long-Term Care Insurance], a top professional designation
Experts in the planning, implementation, and continued service of worksite LTCi programs, including executive carve-outs, voluntary employee-paid plans, and employer-funded core plans with voluntary buy-ups
Extensive background in Long-Term Care Planning and Gerontology, offering claims assistance and care-giving guidance to clients and their families


20
Years of LTC Experience


20
College & University Partners


1100
Clients Insured

About the President

As a financial professional and active member of my community, I am dedicated to helping individuals and businesses build their financial futures, with a special emphasis on long-term care needs. To stay on top of my field and develop my professional skills, I regularly attend industry training and certification programs. This includes study for the CLTC, a professional designation which stands for "Certified in Long-Term Care," granted by the Corporation for Long-Term Care Certification. 

My academic background rooted in a Degree in Gerontology from University of Oregon, experience in the field of gerontology, and professional affiliations have fostered my practical approach to guiding my clients through the important financial decisions that will affect their and their families’ future. First I’ll consider your specific financial goals and retirement objectives. Working together, we’ll formulate a strategy to help you achieve your goals and protect your retirement savings from the devastating costs of long-term care.

Employers are beginning to understand the impact of long-term care on employees as well as retirees. Many adult children of Baby Boomers are preparing for their own retirement while coping with the care-giving situations of their parents. Disability in retirement is a family problem. Employers can help by offering Long-Term Care insurance benefits that can bring peace of mind and make it easier for employees and family members to qualify and pay for long-term care coverage.

California Colleges & Universities

Marblestone Insurance Services specializes in Long-Term Care insurance [LTCi] planning for Universities and Community College Districts in California. We have a deep understanding of the CalPERS LTCi program, and how to advise people with their best options when facing hard choices. Through the years, we have helped protect retirement assets and income for over 1,100 University and Community College District faculty and staff members. We pride ourselves on our personal, customized services, which allow us to ensure that all of our programs are executed as efficiently as possible.

Kimi Shigetani

Vice President, Community College League of California
“The Community College League of California is pleased to endorse Marblestone Insurance Services as a vendor for Long-Term Care insurance, and as a business partner.”


We are pleased to have Advanced Resources Marketing [ARM] as a partner during the planning, implementation, and ongoing service of our worksite LTCi programs. ARM is a national marketing and distribution company that has focused exclusively on LTCi since its founding in 1986. Since joining forces with ARM in 2014, we have been able to greatly expand our efforts in partnering with Universities and Community College Districts throughout California.

Education Center

As you make your decision about purchasing Long-Term Care insurance [LTCi], consider the topics discussed in these brief summaries and how they relate to you.

Protect Your Hard-Earned Retirement Savings
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More and more individuals and families are realizing that one of the biggest threats to their retirement income is if the need for long-term care should arise. As a result, LTCi has become a vital part of overall financial and retirement planning. Ensuring that you are adequately covered allows you to protect your hard-earned retirement savings and assets, providing you with financial stability when you need it most.
Receive Better Quality Care – Where You Want It
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When it comes to receiving care, most people prefer to stay in their own home for as long as possible. LTCi provides you with more freedom when deciding where care will be received, paying for equipment and services that allow you to stay in your own home – longer. Furthermore, LTCi not only gives you the freedom to choose where care is received, it also allows you to receive the highest quality care possible by expanding your options to services that might otherwise be too expensive or inaccessible.
Provide Your Loved Ones with Much Needed Peace-of-Mind
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The need for long-term care not only affects you, it also affects your family members. Oftentimes it is loved ones who have to coordinate services and manage finances, and in many cases, even become the primary caregiver. LTCi allows individuals to relieve their family of this stress, sparing them a great deal of physical, emotional, and financial strain.
The Cost of Waiting
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Consider the following: (1) Premiums for LTCi are based on your age, and as a result will never get lower. (2) The need for care can arise at any age, not just when you are elderly. (3) You are not covered while you wait, leaving you susceptible to loss should the need for care arise. Looking at these factors, one can see that the best time to buy is now! You may need coverage when you least expect it, and coverage you purchase now is coverage you won’t have to buy later at a higher price.

LTC Facts & Figures

$98,554/year
Average annual cost in a CA nursing home
70% of people over age 65
Will eventually need some type of long-term care
$49.3 Billion of LTC Costs
Were financed out-of-pocket in 2012


35% more care hours
Received by individuals with LTCi


42% of people receiving LTC
Are under the age of 65


52% of LTCi Claims
Were for home care in 2014


Sources (from the top, left to right): 1. 2016 Annual Cost of Care Study; Long-Term Care Group; 2016   |   2.  Medicare & You 2015; Official US Government Medicare Handbook; 2015   |   3.  The Economic Security of American Households; US Treasury Department; 2017                                                                     4. 2015-2016 LTCi Sourcebook; American Association for LTCi; 2016    |   5. Long-Term Care Frequently Asked Questions; National Conference of State Legislatures; 2016   |   6. 2015-2016 LTCi Sourcebook; American Association for LTCi; 2016

Contact Info

  • 650.224.9204
  • kperry@armltc.com
  • marblestoneinsurance.com
  • 333 Twin Dolphin Drive
    Suite 110
    Redwood City, CA 94065-1410

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