Choosing Your Contract
Different contracts offer different advantages—some prioritize greater predictability and long-term security, while others offer more flexibility or lower upfront costs.
There is no one-size-fits-all answer—the right choice depends on your personal circumstances.
TYPE A:
Standard Lifecare
This contract includes independent living plus assisted living, memory care, and skilled nursing services, all covered by the same monthly fees.
This is the most popular contract option at Shell Point.
TYPE A-75:
Standard + Refundable
This is similar to a Type A, but it also includes a 75% refund of the entrance fee upon death or contract cancellation. It has the highest entrance fee of all contract types.
To qualify, you must be 85 years of age or younger.
TYPE B:
Modified Lifecare
Includes independent living, assisted living, and memory care in assisted living – but not skilled nursing. You will have guaranteed access to Shell Point skilled nursing services at private pay rates.
Type B contracts offer a reduced entrance fee compared to Standard A.
TYPE C:
Fee for Service
Offers a 100% refund of the entrance fee upon death or contract cancellation.
It does not include independent living, assisted living, memory care, or skilled nursing services; however, it does provide guaranteed access to those services at private pay rates.
Understanding Your Priorities
Priorities, experiences, finances, and future plans can vary greatly from person to person—which is why many people find it helpful to speak directly with a Shell Point Sales Counselor about these contract options.
Your History
“My own parents needed memory care, so I want the most comprehensive coverage for the future.”
Your Finances
“We have a very generous long-term care insurance policy.”
Your Future
“I might move back north, so it’s important for me to have a refundable option.”
START WITH A SIMPLE CONVERSATION
Book a Phone Call
You don’t have to figure this out alone. A brief 15-minute conversation with one of our expert Sales Counselors can help you fully understand Shell Point’s contract options.
Want to Learn More?
Request an Information Packet
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