Abstract: An insurance policy in which the initial maximum benefit payable under the policy is less than or equal to the premium. The policy protects an insured's assets under a Government benefit program that has an asset limit for applicants and that allows applicants to shelter assets by obtaining private insurance. Assets may be sheltered under such a Government program by providing such insurance, obtaining payment for a benefit under the insurance; and applying benefits under the Government program. Insurance can be sold to shelter assets under such a Government benefit program by setting the maximum payable benefit to less than or equal to the premium. Optionally, the initial maximum benefit payable under the policy is less than or equal to about 105% of the premium. The Government benefit program may be a Medicaid State Long-Term Care (LTC) Partnership Program and the insurance benefit may be a long-term health care benefit.