Long Term Care Insurance

We offer a wide range of Long Term Care solutions, with over 7 leading Long Term Care carriers and a variety of products and programs to choose from.
Our in-house Long Term Care specialists provide all the help you need, including choosing the right carrier and designing the best plan for you.
Calculate the Cost of Long Term Care In Your Area

Long Term Care Hybrid Policy

We’re finding some people prefer some of the advantages of going the “hybrid” route for their long-term care coverage. We work with highly experienced professionals who understand the “Hybrid” market inside and out.

Who is the ideal client for a hybrid policy?

  • Want a guarantee there will be NO rate increases to their premium, ever.

  • Are very comfortable financially and are tempted to even just self-insure the risk, but realize having insurance in place may be prudent.

  • Are people who have $100-150K in an easy-access fund like money market, CD, etc. – as “rainy day” money.

  • Like to know they are going to use this insurance. With Hybrid, there’s a death benefit (life insurance) or the option to use the death benefit for long-term care costs instead. Hybrids work very similarly to “stand-alone” LTC products at claim time.

  • May have income tax sensitivity. Benefits are income tax free.

  • May have more serious health issues preventing the stand-alone companies from issuing them a policy. (We can often find a hybrid company may accept some health histories that are not acceptable by stand-alone companies.)

Other Advantages

  • One of our carriers still offers UNLIMITED lifetime coverage for LTC.

  • Though monies are re-allocated, it remains YOUR money under your control. So the money will be used either for long-term care costs, or for a death benefit (life insurance) or you can pull out your money later.

Ready to secure
your future?

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