Care@Home for Life

What Care@Home for Life does

Care at Home Guarantee Corporation, operating as Care@Home for Life™, is a Miami-headquartered financial services company founded in 2025 that operates the Care@Home Guarantee™ framework, an integrated product converting senior homeowners' housing equity into two prepaid, non-cancellable components: Care@Home Services™ (an unlimited platinum-level in-home care insurance policy) and Care@Home Income™ (a guaranteed lifetime income annuity). Both are issued through federally licensed and regulated insurance partners, with the subscriber's home title held by an independent licensed escrow agent to legally back the guarantees. The core technology is a proprietary, patent-pending Guaranty System — business management processes, methodologies, data architectures, and workflow automation tools designed to identify and execute home-equity-to-care-and-income conversions. Qualification is bespoke, based on the applicant's age (generally 70+), health, and home equity (minimum generally $2 million), with no application, qualification, or hidden fees.

The company targets "house rich, cash poor" senior homeowners who want to age in place but cannot afford ~$80,000+/year in-home care costs on fixed retirement income without selling their home or taking on reverse-mortgage debt. A secondary buyer persona is the adult children of these seniors, drawn from a population in which 63 million Americans serve as unpaid family caregivers. Go-to-market is high-touch and sales-led: pre-qualification forms, inside-sales inbound (305-487-8416), and Regional Sales Director-led field consultation, including in-person home visits. Initial commercial availability is in California, Arizona, Texas, and Florida; nationwide care delivery is enabled through a strategic partnership with BrightStar Care (420+ locations, 41 states, 15,000+ caregivers, 5,700 RNs). Marketing relies on content/webinars, social, and earned media (AP, Business Insider, MarketWatch, Yahoo Finance), with referral pathways through AALTCI, NAIPC, HCAOA, and NRMLA.

Monetization is structurally an insurance and annuity intermediation model rather than a transactional subscription: revenue is generated by structuring each subscriber's home equity into prepaid, non-cancellable insurance and annuity contracts, with the magnitude of the lifetime monthly annuity a function of equity, age, and health. Property taxes, home insurance, and certain capital repairs are covered and netted against annuity payments. The founders, Eiso Wortelboer (CEO, ex-De Hoop Finance Geneva and California home-care operator) and Doug Kneebone (General Counsel, M&A and IP background), lead a small executive team supplemented by a CRO focused on relationship-driven sales and a Regional Sales Director covering South Florida.

Name

Care@Home for Life

Legal name

Care at Home Guarantee Corporation

Website

https://careathome4life.com

Company type

Private

Founded year

2025

Operating status

Operating

Short description

Care@Home for Life converts senior homeowners' home equity into a prepaid, non-cancellable unlimited in-home care insurance policy and a guaranteed lifetime income annuity. Founded in 2025 in Miami, it serves qualifying U.S. homeowners age 70+ with $2M+ equity via insurance and care-delivery partners.

Ownership category

akta.pro rank

Product category

Senior Care Financial Services (Aging-in-Place Home Equity Solutions)

NAICS

Home Health Care Services (62161), Services for the Elderly and Persons with Disabilities (624120)

SIC

Services-Home Health Care Services (8082), Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Live-In & 24/7 In-Home Care (HLADAGAI)

akta.pro secondary industries

Live-In Care (Single Caregiver, 24-Hour Presence) (HSABAHAB), Live-In Caregiver Placement & Matching (HSABAMAD), Whole Life Insurance (FSAIABAA)

Keywords

• Aging in place
• Senior home care
• Lifetime annuity
• Home equity conversion
• Long-term care insurance

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Others

Revenue model

1. Care@Home Services™ (In-Home Care Insurance Policy): Pre-paid, non-cancellable, unlimited platinum-level home care insurance policy issued by a federally licensed and regulated insurance partner. Revenue is generated by converting a portion of the subscriber's home equity into a fully prepaid insurance benefit. The policy covers all in-home care costs with no caps, limits, deductibles, or out-of-pocket costs.
2. Care@Home Income™ (Lifetime Annuity): Pre-paid, non-cancellable lifetime income annuity issued by a federally licensed and regulated insurance partner, providing guaranteed monthly income for life. Funded by converting home equity; annuity terms are flexible and can include minimum payout amounts or lump sum death benefits. The greater the home equity, the larger the monthly annuity.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Care@Home for Life sells the Care@Home Guarantee™, which converts a senior homeowner's built-up home equity into two prepaid, non-cancellable insurance products issued by federally licensed and regulated insurance partners: Care@Home Services™ (an unlimited platinum-level in-home care insurance policy) and Care@Home Income™ (a lifetime income annuity). Title to the home is held by a licensed escrow agent during the subscriber's lifetime, allowing seniors to remain in their home with guaranteed care coverage and monthly income without taking on loans, interest, or reverse mortgage debt.

Product overview

Care@Home for Life operates as a unified financial services platform offering the Care@Home Guarantee™ as its core product, which combines two integrated components: Care@Home Services™ (a prepaid, non-cancellable unlimited platinum-level home care insurance policy) and Care@Home Income™ (a prepaid lifetime income annuity). The Care@Home Platinum Care™ Program delivers the actual in-home care services. The company also developed a proprietary Guaranty System (patent pending) that underpins the operational framework. This is not a modular platform but a single integrated program designed to convert home equity into guaranteed lifetime care and income for senior homeowners without incurring debt.

Differentiator

Problem solved

Functional benefit

Brands

• Care@Home Services™: Pre-paid, non-cancellable, unlimited platinum-level home care insurance policy
• Care@Home Income™
• Care@Home Platinum Care™
• In-Home Care for Life Model

Products and services

• Care@Home Guarantee™ Integrated financial and care framework for senior homeowners aged 70+ that converts home equity into two prepaid, non-cancellable components — Care@Home Services™ (unlimited platinum-level home care insurance) and Care@Home Income™ (lifetime income annuity) — letting seniors remain in their home for life with no loans, no debt, and no market risk.
• Care@Home Services™ Pre-paid, non-cancellable, unlimited platinum-level home care insurance policy issued by a federally licensed and regulated insurance partner, covering all costs of uncapped best-in-class in-home care for life with no deductibles or out-of-pocket costs after enrollment.
• Care@Home Income™ Pre-paid, non-cancellable lifetime income annuity issued by a federally licensed and regulated insurance partner providing guaranteed monthly income for life, with payment amounts depending on home equity value, applicant age, and individual versus "life and survivor" couple structure.
• Care@Home Platinum Care™ Program The care delivery component of the Care@Home Guarantee™, providing unlimited platinum-level in-home care services with no caps or limits — from light daily living assistance to 24/7/365 coverage — delivered through partner agencies including BrightStar Care's 420+ locations across 41 states.

Quantifiable outcome

• Subscribers receive monthly annuity payments ranging from $1,200 to $4,000+ depending on age, health, and home equity — funded entirely by their home equity without any new debt.
• +3 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Seven partnerships are on record, tiered core and minor.

• BrightStar CarecoreStrategic or Co-development Partner · 12 March 2026Strategic partnership with BrightStar Care to deliver premium in-home care services nationwide. BrightStar Care operates over 420 franchise and company-owned locations across 41 states, with more than 15,000 caregivers and 5,700 registered nurses. They deliver the hands-on, day-to-day in-home care services covered under the Care@Home Services™ policy, including assistance with activities of daily living, medication management, wound care, and around-the-clock support. Care@Home 4 Life guarantees financial security while BrightStar Care guarantees clinical quality of care.
• AALTCI (American Association of Long Term Care Insurance)minorGTM or Marketing PartnerListed as a partner organization on the Care@Home for Life website. AALTCI is a professional association focused on long-term care insurance education and awareness. Partnership provides referral pathways to seniors exploring LTC alternatives.
• NAIPC (National Association of Insurance and Financial Advisors)minorGTM or Marketing PartnerListed as a partner organization. NAIPC represents insurance and financial advisors who work with seniors on retirement and insurance planning. Provides referral pathway for advisors seeking alternative solutions for clients.
• HCAOA (Home Care Association of America)minorGTM or Marketing PartnerListed as a partner organization. HCAOA is the leading voice for home care providers in America. Partnership supports industry credibility and referral network.
• NRMLA (National Reverse Mortgage Lenders Association)minorGTM or Marketing PartnerListed as a partner organization. NRMLA represents reverse mortgage professionals. Partnership provides referral pathway to homeowners exploring reverse mortgage alternatives.
• Federally Licensed Insurance PartnerscoreOthersUnnamed federally licensed and regulated insurance partners issue the Care@Home Services™ (pre-paid unlimited home care insurance policy) and Care@Home Income™ (pre-paid lifetime annuity). These regulated partners are central to the Care@Home Guarantee™ model, providing the insurance backbone for both the care and income components.
• Licensed Escrow AgentcoreOthersAn independent, licensed escrow agent holds title to the subscriber's home as part of the Care@Home Guarantee™ structure. The escrow agent ensures all financial and legal terms are met, provides full transparency, and protects both the income stream and property rights until the agreement is completed (i.e., until the subscriber's death).

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Genworth Financial: Largest U.S. long-term care insurance carrier and a leading provider of hybrid life/LTC products. Comparable because Care@Home's Care@Home Services™ is functionally a prepaid, non-cancellable LTC insurance policy bundled with an annuity-like income product — the same hybrid structure Genworth pioneered.
• Mutual of Omaha: Major LTC insurance provider with traditional and simplified-issue policies targeting the 65+ market. Comparable to Care@Home because both sell LTC insurance products to the same 'house rich, cash poor' senior homeowner demographic via an agent/broker channel.
• Longbridge Financial: Reverse mortgage and home equity conversion provider serving senior homeowners nationwide. Comparable because both monetize senior home equity to fund retirement, with overlapping distribution via financial advisors and senior-focused marketing channels.
• OneAmerica: Issuer of hybrid life insurance products with long-term care riders and asset-based LTC solutions. Highly comparable to Care@Home's bundled annuity-plus-care structure, and a likely competitor or potential insurance-partner for the Care@Home Income™ annuity component.
• Finance of America Reverse: Largest U.S. reverse mortgage lender, helping seniors tap home equity for retirement needs. Comparable to Care@Home because both target senior homeowners converting home equity into retirement cash flow, though Care@Home's escrow-based approach avoids the debt that defines reverse mortgages.

Emerging players

• Hometap: Home equity investment company that buys a share of future home value for an upfront lump sum — no monthly payments and no interest. Comparable as an emerging alternative to reverse mortgages for senior homeowners, with overlapping target customer and a similar equity-to-cash value proposition.

Others

• BrightStar Care: Strategic care delivery partner for Care@Home and the largest U.S. home care franchise network (420+ locations, 41 states). Included as a peer because it executes the entire in-home care service promise that Care@Home sells, and represents both the company's biggest operational moat and its biggest single-vendor concentration risk.

Broad incumbents

• New York Life: Major mutual life insurer with universal life and whole life policies that include LTC riders. Comparable as an incumbent alternative for the lifetime income and LTC coverage components of the Care@Home Guarantee™, marketed through an established agent network.
• Amedisys: Large home health and hospice provider with skilled nursing, therapy, and personal care services delivered in the home. Comparable to Care@Home as a broad incumbent in the in-home care category into which Care@Home's platinum-level benefit is delivered, and a potential future M&A target or partner for the care side of the business.
• Nationwide: Large diversified insurer offering whole life, universal life, and hybrid LTC/life products (CareMatters). Comparable as a broad incumbent offering competing hybrid long-term care funding solutions to the same senior demographic, with materially larger distribution and balance sheet.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@careathomeforlife
• Facebookfacebook.com/share/1Dao2LvqaC
• LinkedInlinkedin.com/company/care-at-home-4-life
• Instagraminstagram.com/careathome4life

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Care@Home for Life