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Take the guesswork out of LTC Planning

Predict your client's long-term care needs and build coverage they can invest in today. Thanks to AI of course.

🔥 77% OFF for FPA NorCal — This Week Only!

Our Lowest Price Ever

Use Code FPANC2025

Expires Friday, May 30

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Simple pricing
No long-term commitment

Get started for free, and then pay month-to-month or save 20% with an annual subscription.

2 week free trial

Try Waterlily for free before you buy

Free

Get 14 days of access for free

Get access for 14 days for free

Run up to 10 LTC forecasts

Live customer support

Automated quote-and-compare

Coming soon!

AI-assisted policy applications

Coming soon!

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Annual

77% OFF

Use Code FPANC2025

Save 20% when you prepay for 12 months

$46

/mo

$200

Price is per-seat per month

First 100 clients included

Live customer support

Automated quote-and-compare

Coming soon!

AI-assisted policy applications

Coming soon!

Buy an annual plan

Monthly

77% OFF

Use Code FPANC2025

Go month-to-month with no long-term commitment

$59

/mo

$250

Price is per-seat per month

First 100 clients included

Live customer support

Automated quote-and-compare

Coming soon!

AI-assisted policy applications

Coming soon!

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Don't tell a story of averages.
Tell each client's own story.

Waterlily's AI predicts your client's future long-term care and builds a plan that's fully personalized to them.

Build conviction. Analyze coverage. Do more.

Predict your client's future

Waterlily predicts your client's likelihood, start date, progression, and cost of their long-term care.

Personalize their care plan

Waterlily guides your client through choosing their care, calculating the cost at every step.

Choose the right coverage

Waterlily can test the ROI of policies, annuities, and self-funding strategies to find the right strategy.

Learn More

Trusted by Hundreds of
Financial Professionals

Trusted by Hundreds of Financial Professionals

Don't just take our word for it, take a look at some of the reviews below.

John Sieb

Long-Term Care Business Head

& COO

Prudential

The Waterlily care planning capability is a first of it’s kind digital solution that looks at care planning in a more holistic, innovative and informative manner that leverages data and AI with an eye towards including family, friends and trusted advisors in the decision making process. The tool was easy to navigate, presents different scenarios and quickly determines critical next steps. The output was simple to read and actionable. Overall, it was a fantastic and fulfilling experience that should be used in multiple life phases: pre-retirement, retirement and receiving care. A value-added capability that’s complimentary to a financial plan.

Chris Chen CFP®
RLP®

Wealth Strategist

Insight Financial Strategists

It's an intuitive platform that makes it easier to discuss a difficult topic with clients. It is really helpful to put a number on the size of the problem so that clients can be proactive about it. Waterlily has done a great job integrating disparate data into a single tool to address the hardest financial planning problem. Before Waterlily, I used my own calculations. It is really nice to have them in a single tool. It saves time. It helps the client understand better. It helps clients to be proactive.

Jessica Weaver CFP®

Wealth Advisor & Founder
The Women's Wealth Boutique

Integrating Waterlily with our long-term care planning has helped us put more long-term care asset-based products into our clients plans than we've ever done before. The survey breakdown finally gives our clients something tangible to look at versus it just being a worry in their head. Our team has had great success bringing the next generation into the conversations with the survey and reports, often giving the adult children peace of mind. I often hear from prospects that their current advisor has never done this kind of work before. We feel great knowing we are bringing innovative technology to our clients so they can better prepare for their future.

Jessica Weaver CFP®

Wealth Advisor & Founder
The Women's Wealth Boutique

Chris Chen CFP®
RLP®

Wealth Strategist

Insight Financial Strategists

Clients want to plan when they can see their future.

Waterlily is here to show your clients their future, so that you can show them how to solve for it.

Model and incorporate annuities, LTCI, STCI, hybrid policies, riders on life insurance, and more into your client’s LTC plan.

Waterlily is here to show your clients their future, so that you can show them how to solve for it.

Model and incorporate annuities, LTCI, STCI, hybrid policies, riders on life insurance, and more into your client’s LTC plan.

Tell your client their story. Build conviction with every prediction.

Tell your client their story. Build conviction with every prediction.

Her likelihood of needing LTC

50%

National Average: 56%1

Prove the relevance of LTC. With personalized likelihood predictions.

Her likelihood of needing LTC

50%

National Average: 56%1

Prove the relevance of LTC. With personalized likelihood predictions.

Protect your clients' family. Show how coverage reduces family burden.

All the features you’ll need

Secure

HIPAA compliant, with practices that align with SOC-2, and ISO 27001 standards.

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Accurate

65% more accurate than industry standard
methods.

65% more accurate than industry standard methods.

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Whitelabeled

Enhance your brand with beautiful whitelabeling at every step.

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Unlock Powerful Benefits

Acquire More AUM

Stand out with advanced LTC insights—something prospective clients often don’t get from traditional planning tools.

Offer Unbiased Analysis

Compare self-funding, LTC insurance, annuities, and more without looking product-pushy—helping clients choose what’s truly best.

Retain Assets & Heirs

Shield assets from unplanned care costs and build trust with beneficiaries, ensuring continuity after a client’s passing.

Enhance Client Loyalty

Show your added value by tackling LTC head-on. When clients see real projections, they’re more engaged and appreciative.

Pinpoint LTC Costs More Accurately

We analyze 500M+ data points for a unique, data-driven care timeline—no more generic ‘one-size-fits-all’ estimates.

Why Not Just Rely on Standard Financial Simulations?

Traditional retirement planning software often includes basic LTC assumptions or broad Monte Carlo scenarios. These can overlook personal health factors, local care costs, and how family caregiving might evolve. Waterlily’s AI digs deeper—analyzing extensive datasets to accurately forecast the timing, progression, and real dollar impact of care. You get a richer conversation, clients get peace of mind, and your practice stands out for its thoroughness.