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December 2026 · DRAFT LTC Marketing

Year-End Tax Moves: Deducting LTC Premiums

Campaign theme: “Deduct Before December 31”
Hook: Year-end tax planning; December 31 deadlines.
Campaign code: MKT-2612-PREMIUM-DEDUCTION · UTM: mkt_2026_12_premium_deduction

Cross-site bridge: TDS December (COPD); FD December (year-end planning checklist).

Landing page: Free Family Care Plan Review: “Your Long-Term Care Premiums May Be Tax-Deductible. Know Before December 31.”, built on the same structure as the November LTC Awareness Month page, with the site’s HubSpot Quote Request form and [Agent - Advisor Name]’s 12-second video. Approved and published Oct 9, 2026 at draftltcmarketing.com/long-term-care-insurance-tax-deduction/ (live version without the presenter video). Email, ad, and print QR links now point to it.

Facebook graphic for Year-End Tax Moves: Deducting LTC Premiums

Release dates

Print files dueTue, Nov 10, 2026
Drafts due (approval)Sat, Nov 21, 2026
Blog releaseTue, Dec 1, 2026
Google Ads startTue, Dec 1, 2026
Print in marketTue, Dec 1, 2026
FacebookWed, Dec 2, 2026
InstagramThu, Dec 3, 2026
Email sendTue, Dec 8, 2026
LinkedInTue, Dec 8, 2026
Reminder postsWed, Dec 16, 2026
Google Ads endThu, Jan 14, 2027

Keywords, phrases & audience

Primary keyword

long-term care insurance tax deduction

Secondary keywords

deduct long-term care premiums 2026
LTC premium deduction limits
self-employed long-term care deduction
HSA long-term care premiums
tax-qualified long-term care policy
year-end tax moves retirees
long-term care insurance tax benefits
gifting and long-term care

Long-tail phrases

are long-term care insurance premiums tax deductible in 2026
how much of my long-term care premium can I deduct
can I pay long-term care premiums from an HSA
self-employed long-term care insurance deduction
what makes a long-term care policy tax qualified

Negative keywords (Google Ads)

jobs
careers
agent license
insurance exam
free insurance
cheap
medicaid application form
lawsuit
complaints
login
tax preparer jobs
turbotax coupon
irs phone number
tax refund status

Social audience: Pre-retirees and retirees 50–72 (the main buying window for traditional and hybrid coverage), plus adult children 40–60 who influence a parent's decision. Meta: required Financial Products & Services Special Ad Category — no age/gender/ZIP targeting; Florida statewide, or 15-mile+ radius targets around Southwest Florida, Melbourne/Palm Bay, Orlando, and Tampa; broad interests (retirement planning, financial planning). LinkedIn: pre-retirees 55–65, business owners, HR/benefits leaders, CPAs and financial advisors (referral partners).
Google Ads audience: Search campaign, Florida first (licensed states only), expand nationally only where [Agent - Advisor Name] is appointed/licensed. High-intent insurance keywords; ad schedule 7am–8pm ET with call extension during office hours. Customer Match from HubSpot leads is allowed for insurance (non-health) messaging; keep condition terms out of ad copy.
This month: Policyholders and buyers 55–75; self-employed business owners; CPAs.

Blog

MKT | Dec 2026 | Year-End Tax Moves: Deducting LTC Premiums | “Deduct Before December 31” | Blog · MKT-2612-PREMIUM-DEDUCTION-BLOG

Title

Year-End Tax Moves: Deducting Your 2026 Long-Term Care Insurance Premiums

Release

Tue, Dec 1, 2026

URL

https://draftltcmarketing.com/blog/year-end-tax-moves-deducting-your-2026-long-term-care-insurance-premiums/

Meta description

A year-end checklist for claiming the long-term care insurance premium deduction before you file your 2026 return. (114 chars)

Outline (H2s)

Who can deduct premiums
2026 age-based limits
Self-employed and HSA rules
Tax-qualified policies
Year-end checklist

Converts to

https://draftltcmarketing.com/long-term-care-insurance-tax-deduction/

Facebook

MKT | Dec 2026 | Year-End Tax Moves: Deducting LTC Premiums | “Deduct Before December 31” | Facebook · MKT-2612-PREMIUM-DEDUCTION-FB

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Post copy

Did you know some long-term care insurance premiums are tax-deductible? For 2026, the IRS limits range from $500 (age 40 or under) to $6,200 (over 70), and the rules differ for self-employed owners and HSA users. [Agent - Advisor Name]'s year-end guide walks through who qualifies and what to gather before you file. Download the free LTC Insurance Tax Guide. Questions? Call (xxx)xxx-xxxx.

Link headline

Deduct Your 2026 LTC Insurance Premiums

Tracked link

https://draftltcmarketing.com/blog/year-end-tax-moves-deducting-your-2026-long-term-care-insurance-premiums/?utm_source=facebook&utm_medium=social&utm_campaign=mkt_2026_12_premium_deduction&utm_content=fb_post

Instagram

MKT | Dec 2026 | Year-End Tax Moves: Deducting LTC Premiums | “Deduct Before December 31” | Instagram · MKT-2612-PREMIUM-DEDUCTION-IG

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Caption

Your long-term care premium may be tax-deductible. 2026 limits: $500 (≤40) up to $6,200 (70+). Self-employed and HSA rules differ. Free LTC Tax Guide — link in bio. Questions? Call (xxx)xxx-xxxx.

Hashtags

#TaxTips #YearEndTaxPlanning #LongTermCareInsurance #SelfEmployed #HSA #RetirementPlanning #DRAFTLTCMarketing

Link in bio (tracked)

https://draftltcmarketing.com/blog/year-end-tax-moves-deducting-your-2026-long-term-care-insurance-premiums/?utm_source=instagram&utm_medium=social&utm_campaign=mkt_2026_12_premium_deduction&utm_content=ig_bio_link

MKT | Dec 2026 | Year-End Tax Moves: Deducting LTC Premiums | “Deduct Before December 31” | LinkedIn · MKT-2612-PREMIUM-DEDUCTION-LI

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Post copy

A year-end item for CPAs and advisors: tax-qualified long-term care insurance premiums are deductible within age-based limits — for 2026, $500 (40 or under) up to $6,200 (over 70), per IRS Rev. Proc. 2025-32. Self-employed owners and HSA holders have additional options. Our December article and free LTC Insurance Tax Guide are ready to share with clients. Questions? Call (xxx)xxx-xxxx.

Tracked link

https://draftltcmarketing.com/blog/year-end-tax-moves-deducting-your-2026-long-term-care-insurance-premiums/?utm_source=linkedin&utm_medium=social&utm_campaign=mkt_2026_12_premium_deduction&utm_content=li_post

Email campaign

MKT | Dec 2026 | Year-End Tax Moves: Deducting LTC Premiums | “Deduct Before December 31” | Email · MKT-2612-PREMIUM-DEDUCTION-EM · send Tue, Dec 8, 2026

Deduct Before December 31

If you own a tax-qualified long-term care insurance policy, part of your premium may be deductible. For 2026, the IRS limits range from $500 for those 40 or under to $6,200 for those over 70.

Our year-end article explains who qualifies, how the rules differ for self-employed owners and HSA users, and what to gather before you file. On December 15 we'll cover gifting and estate items to review before year-end.

Download the free LTC Insurance Tax Guide, and talk with your tax professional about your situation.

Prefer to talk it through? Call (xxx)xxx-xxxx.

Get the Free LTC Tax Guide

Also this month: Year-End Tax Moves: Deducting Your 2026 Long-Term Care Insurance Premiums

Subject line

Your LTC premium may be tax-deductible

Preview text

2026 limits, self-employed rules, and HSAs — before December 31.

CTA link (tracked)

https://draftltcmarketing.com/long-term-care-insurance-tax-deduction/?utm_source=hubspot&utm_medium=email&utm_campaign=mkt_2026_12_premium_deduction&utm_content=em_primary_cta

Download header 1200×520 (display at 600)

Google Ads

MKT | Dec 2026 | Year-End Tax Moves: Deducting LTC Premiums | “Deduct Before December 31” | Google Ads · MKT-2612-PREMIUM-DEDUCTION-GADS · Dec 1 – Thu, Jan 14, 2027

Headlines (15)

LTC Premium Tax Deduction25/30
2026 LTC Deduction Limits25/30
Deduct LTC Premiums19/30
Self-Employed LTC Deduction27/30
HSA & LTC Premiums18/30
Year-End LTC Tax Moves22/30
Free LTC Tax Guide18/30
Tax-Qualified LTC Policies26/30
Licensed LTC Specialist23/30
Compare LTC Options Free24/30
Talk to [Agent - Advisor Name]25/30
45+ Years in Long-Term Care27/30
Not a Call Center17/30
Free Consumer Guides20/30
Request a Free Quote20/30

Descriptions (4)

2026 deduction limits for long-term care premiums: $500 to $6,200 by age.73/90
Self-employed and HSA rules explained. Download the free LTC Insurance Tax Guide.81/90
Year-end checklist from a licensed long-term care specialist. Not tax advice.77/90
[Agent - Advisor Name], CLTC. Your Brokerage Agency Name67/90

Ad group: Premium Deduction — Core
Exact match: [long-term care insurance tax deduction]
[deduct long-term care premiums 2026]
[LTC premium deduction limits]
[self-employed long-term care deduction]
Phrase match: "HSA long-term care premiums"
"tax-qualified long-term care policy"
"year-end tax moves retirees"
"long-term care insurance tax benefits"
"gifting and long-term care"
"are long-term care insurance premiums tax deductible in 2026"
"how much of my long-term care premium can I deduct"
Sitelinks: Request a Free Quote
Free Consumer Guides
Cost of Care by State
Read This Month's Guide
Call asset: (xxx)xxx-xxxx (US, office hours)
Final URL: https://draftltcmarketing.com/long-term-care-insurance-tax-deduction/?utm_source=google&utm_medium=cpc&utm_campaign=mkt_2026_12_premium_deduction&utm_content=rsa

Image asset (square)

Download 1200×1200

Print ad with QR code

MKT | Dec 2026 | Year-End Tax Moves: Deducting LTC Premiums | “Deduct Before December 31” | Print · MKT-2612-PREMIUM-DEDUCTION-PRT · 5.5″ × 8.5″ half page

Download print PDF PNG 300 dpi QR code (PNG) QR code (SVG, vector)

QR code

Headline

Your LTC premium may be tax-deductible.

Body

2026 limits range from $500 to $6,200 by age, with extra options for self-employed owners and HSA users. Get the free tax guide.

QR call to action

Scan for the free LTC Tax Guide

QR destination (tracked)

https://draftltcmarketing.com/long-term-care-insurance-tax-deduction/?utm_source=print&utm_medium=qr&utm_campaign=mkt_2026_12_premium_deduction&utm_content=print_qr

Opens the page named above with print tracking.