A filed-ready disclosure statement and a signed actuarial opinion — one flat annual fee.
Send your prior-year disclosure statement, audited financials, resident census, and fee schedules. LifePlanClear extracts and normalizes the data, drafts your continuing-care disclosure statement in your State Regulator's exact format, and assembles the actuarial-readiness workpaper package — then a Compliance Reviewer checks it and a credentialed actuary (FSA/MAAA) reviews and signs the opinion. Delivered in 15 business days from signed intake, for a flat fee — never hourly, never a percentage of your reserves.
No cost, no obligation. A Compliance Reviewer checks every filing for completeness before it goes to your State Regulator — AI never files anything, and never signs an actuarial opinion.
No one on staff has actuarial training, and the deadline doesn't move.
A CCRC's entrance-fee contract is a decades-long promise: a resident pays a large upfront fee for housing plus escalating levels of care, sometimes for life. Most of the ~2,000 U.S. CCRCs — and nearly all of the ~1,700+ independent, single- or small-group-campus operators — have a finance team of one to three people who also run day-to-day accounting. No in-house actuary. Often no dedicated compliance officer. The disclosure statement gets rebuilt from a stale prior-year template instead of current data, and a multi-state operator has to track a completely different agency, format, and deadline in every state where it operates.
The disclosure-statement deadline
Every regulated CCRC must file a current continuing-care disclosure statement with its state regulator on that state's own cadence — commonly annual.
A fresh actuarial-study mandate
California is advancing a bill to require CCRC actuarial studies; North Carolina has already tightened its financial-transparency filing rules — new obligations for operators who have never had to produce this documentation.
"Are our reserves enough?"
When an auditor or board member asks whether reserves can actually fund future resident obligations, the honest answer requires a credentialed actuary's opinion — not a guess.
Getting this wrong has real consequences: residents at financially distressed CCRCs have publicly reported losing some or all of their entrance fees when a community could not pay its debts — the exact harm this regulatory structure exists to prevent. LifePlanClear does not provide legal or investment advice and does not evaluate whether any specific community is financially sound on its own authority; the credentialed actuary's signed opinion is the only party of record on reserve adequacy.
One filing engagement, four deliverables, always a flat fee.
The same terms, every time: Community, State Regulator, Compliance Reviewer, credentialed actuary, Disclosure Statement, Actuarial-Readiness Data Package.
Disclosure Readiness Check
The lead diagnostic. Send your prior-year disclosure statement (if any) and a summary of your state(s); LifePlanClear returns a gap read against your State Regulator's current requirement within 2 business days.
Disclosure Statement Build
Complete state-formatted continuing-care disclosure statement — census/fee-schedule data compilation and Compliance Reviewer confirmation against your state's current format. Per community, annual.
Actuarial-Readiness Data Package
Full workpaper package prepared for the actuary: reserve, fee-sufficiency, and cash-flow data assembled and pre-modeled. Per study cycle.
Actuary Sign-Off
Coordinated, credentialed actuary's (FSA/MAAA) signed ASOP No. 3 opinion, packaged with the disclosure statement. The actuary's own fee passes through; LifePlanClear never signs an opinion itself.
Multi-State Operator Add-On
Ongoing tracking and filing for each additional state's distinct disclosure and actuarial-study requirements, per additional state.
AI extracts and drafts. A Compliance Reviewer and a credentialed actuary decide. Every time.
Nothing reaches your State Regulator without a Compliance Reviewer's completeness check, and no actuarial opinion is ever signed by AI or by LifePlanClear staff.
Intake
Your prior-year disclosure statement (if any), current audited financial statements, resident census and unit-occupancy data, and entrance-/monthly-fee schedules are collected and checked against the intake checklist — no engagement proceeds with a missing required field.
Classify
Your community's state(s), regulating agency or agencies, entrance-fee contract type (Type A life-care, Type B modified, or Type C fee-for-service), and current filing deadline are confirmed against the state-format library.
Extract & normalize
AI extracts and normalizes data from your financial statements, census records, and fee schedules into a single, tied-out working file.
AI draft
AI drafts the disclosure-statement narrative sections in your state's exact required format, and assembles/pre-models the actuarial-readiness workpapers (reserve trend, fee-sufficiency ratios, cash-flow projections).
Human approve — the Compliance Reviewer
A Compliance Reviewer reviews the AI-assembled workpapers and drafted disclosure statement for completeness and internal consistency, and confirms the correct current state-specific format and deadline. Nothing files unapproved.
Actuary review and sign — the licensing chokepoint
A credentialed actuary (FSA and/or MAAA), engaged and coordinated by LifePlanClear but signing independently, reviews the workpapers and signs the ASOP No. 3 opinion. This is the one step neither AI nor LifePlanClear staff may perform.
Deliver
The filed-ready disclosure statement, the actuarial-readiness workpaper package, the signed actuarial opinion (where engaged), and a plain-language board memo are delivered to you for submission to your State Regulator.
Track & renew
Filing deadlines, state-format changes, and multi-state renewal dates are tracked ahead of your next annual cycle.
Flat fee, per community, per cycle. Never hourly, never a percentage.
Pricing is deliberately fixed-fee — never a percentage of your reserves, fees, or entrance-fee revenue. A percentage-of-financial-outcome structure would be inappropriate for a service whose purpose is protecting resident funds.
Complete state-formatted disclosure statement, data compilation, Compliance Reviewer confirmation.
Flat fee — quoted before you engage.Reserve, fee-sufficiency, and cash-flow workpapers assembled and pre-modeled for the actuary.
Flat fee — never contingent on the actuary's finding.Credentialed actuary's (FSA/MAAA) signed ASOP No. 3 opinion, coordinated and packaged for you.
Pass-through actuary fee, disclosed up front.Ongoing tracking and filing for each additional state's distinct requirements.
Flat fee per state — no bundling surprise.Two live 2025–2026 regulatory-tightening events (California's advancing actuarial-study bill, North Carolina's heightened transparency rule) inform this offer; both should be re-verified for final enactment status before being relied on for a specific filing decision. All figures above are current pricing ranges, not a guarantee of your community's exact quote — final pricing is confirmed after your free Disclosure Readiness Check, before you engage.
[PLACEHOLDER] First engagement outcome — disclosure statement accepted by the state regulator with no material findings — published here once the first pilot engagement completes. No claim is made until it is real.
[PLACEHOLDER] First operator testimonial — added only with written permission from a real, named pilot community. LifePlanClear never fabricates a quote or a logo.
[PLACEHOLDER] Number of communities filed, by state — a live, auditable count once real engagements complete. Until then this stays blank rather than invented.
What we can show you honestly, right now.
LifePlanClear is entering its pilot cohort. We're not going to invent a case study to fill this space.
The first filed-disclosure case study will appear here once the initial pilot cohort completes and outcomes are logged. The 15-business-day delivery figure cited above is a target built into the engagement design, not a guarantee, and is labeled Unverified against real-engagement data until measured.
The questions every operator asks before engaging.
Do you replace our attorney or our auditor?
Who actually signs the actuarial opinion?
What data do you need from us?
We operate in more than one state — how does that work?
How fast is delivery?
The licensing boundary, stated plainly.
"LifePlanClear does not provide legal advice, does not represent itself as a law firm, and does not collect consumer/personal debt under any circumstance."
This exact sentence is used, unmodified, on this page, in every engagement letter, and in any public content that discusses licensing or legal scope. LifePlanClear serves CCRC/Life Plan Community operators only, not individual consumers. What AI may do: extract and normalize data from audited financial statements, resident census records, and fee schedules; draft the disclosure-statement narrative in the client's state-specific format; assemble and pre-model actuarial-readiness workpapers; monitor state regulatory text for changes. What a Compliance Reviewer may do: intake, review AI-assembled workpapers and drafted disclosure statements for completeness and internal consistency, confirm the correct current state format and deadline, and manage client/regulator correspondence. What only a credentialed actuary (FSA and/or MAAA) may do: review the workpapers and sign the ASOP No. 3 actuarial opinion — never AI, never LifePlanClear staff. This page is not legal advice and not a law firm disclaimer substitute for review by counsel; state disclosure/actuarial-study requirements vary and change; consult qualified counsel and your engaged actuary before relying on any of it operationally.
Get your free Disclosure Readiness Check.
Tell us your state(s) and roughly where your last disclosure statement stands. We'll follow up to arrange intake and return a gap read against your State Regulator's current requirement within 2 business days — no cost, no obligation.
Free, no obligation. A Compliance Reviewer reviews every submission personally — this form does not commit you to any engagement.