Overview
HCG Secure is an insurtech company founded in 2019 by Tom Beauregard, former EVP and Chief Innovation Officer at UnitedHealth Group, addressing a critical gap in the middle-income long-term care market. Many Americans approaching retirement cannot afford traditional long-term care insurance, do not qualify for Medicaid, and lack clear understanding of what Medicare covers -- leaving them financially exposed when they need home care assistance.
The company developed an integrated insurance and advocacy model that combines simplified indemnity insurance products with care navigation and advocacy services. Operating also as "Home Care Genie," HCG Secure targets middle-income individuals aged 65 and older who need financial protection and guidance to age at home safely and independently. Products are available in 22 states through broker distribution channels.
In February 2026, HCG Secure raised a Series C round of USD 24M led by Primetime Partners, reflecting strong investor confidence in its mission to democratize access to home care financing solutions. The company's ecosystem of service partnerships enhances its core insurance products with practical support services covering care coordination, fraud protection, and estate planning.
Products & Services
Home Care Secure
Indemnity insurance product combining cash-benefit coverage with navigation and advocacy services. Provides weekly payments (USD 400-1,200 per week) for up to 50 weeks, with lifetime maximums of USD 20,000-60,000 in USD 10,000 increments. Features a simplified five-question, non-medical underwriting process enabling fast approval without medical exams. Benefits cover home health care products and services.
Key Features
- Five-question underwriting -- no medical exam required
- Weekly cash benefits up to USD 1,200 per week
- Lifetime maximum up to USD 60,000
- Care navigation and advocacy services included
- Available in 22 states
Target Users: Middle-income individuals 65+ approaching or in retirement
GTL Life Select
Life insurance product with chronic illness benefits underwritten by Guarantee Trust Life Insurance Company. Provides either monthly cash benefits (up to 8% of policy face value) or a lump-sum payment (50% of face value). Includes terminal illness benefits (up to 75% of face amount) and integrated care coordination and navigation services.
Key Features
- Monthly or lump-sum chronic care benefit options
- Terminal illness accelerated benefit (up to 75%)
- Integrated care coordination services
- Simplified issue underwriting
Target Users: Middle-income seniors seeking life insurance with living benefits
HCG Legacy
Final expense insurance product developed in partnership with American-Amicable Group. Provides financial support for funeral and end-of-life expenses, combined with a suite of planning and advocacy services.
Key Features
- Final expense death benefit coverage
- Online planning tools and advance care planning
- Family support services
- Personalized advocacy via Everest Funeral Concierge
- Cash benefits for outstanding debts
Target Users: Seniors seeking simplified final expense coverage with support services
At a Glance
- Founded
- 2019
- Headquarters
- Goshen, Connecticut, USA
- Employees
- 1-10
- Funding
- Series C
Category & Focus
- Category
- Specialty Solutions
- Subcategories
- Long-term care insurance home care indemnity final expense insurance
- Insurance Verticals
- Life & Annuity Health
- Target Customers
- Consumers, Brokers
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Last updated: 2026-04-08