HCG SECURE

Insurance and advocacy for aging at home

Specialty Solutions Growth Series C

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