Medicaid Spend-Down Strategy

Navigating Medicaid eligibility can be complex—especially when life insurance assets come into play. Exit Equity Concierge™ offers a Medicaid Spend-Down Consultation designed to help you understand how a life settlement can support your Medicaid planning strategy.

During this consultation, we:

• Review your life insurance policy to determine its impact on Medicaid asset limits
• Explore whether converting your policy into a life settlement could provide funds for care while reducing countable assets
• Assess how the settlement proceeds can be structured or redirected to maintain Medicaid eligibility (e.g., through Medicaid-compliant annuities, burial funds, or irrevocable trusts)
• Coordinate with your legal or financial advisors, if needed, to create a compliant, comprehensive spend-down plan

Our goal is to preserve your access to vital care while helping you ethically and strategically leverage your policy’s value. Whether you’re preparing for long-term care or managing current Medicaid rules, Exit Equity Concierge™ brings clarity and compassion to this essential part of end-of-life financial planning.

⚖️ Please note: While we assist with document execution and planning coordination, we do not offer legal advice. Clients are encouraged to consult a licensed attorney for legal interpretation or estate planning guidance.