Options
Traditional Long Term Care Insurance
"Traditional long-term care insurance is the most straightforward and cost-effective way to protect against the financial risk of needing care. You pay a monthly or annual premium in exchange for a defined daily or monthly benefit that kicks in when you need it. These policies are purpose-built for care coverage — they don't accumulate cash value or include a death benefit, which is what keeps premiums lower than hybrid alternatives. One important caveat: premiums are not guaranteed and can increase over time."
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Long Term Care/Hybrid Life Insurance
"Hybrid policies combine long-term care protection with a guaranteed death benefit, return of premium options, and rate stability — making them an attractive alternative for clients who want coverage without the 'use it or lose it' concern of traditional LTCI. They're also an ideal vehicle for repositioning an existing asset or executing a 1035 exchange from an old life insurance contract."
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Long Term Care/Hybrid Annuity
"Have an existing annuity sitting on the sidelines? It can be repositioned to fund long-term care benefits — typically with a simpler underwriting process than traditional LTCI. For clients who may not qualify for a standard policy due to health, this can be an easier path to coverage while putting an existing asset to better use."
Learn MoreWe offer Long Term Care Insurance products that provide home health care, adult day care, Assisted Living facility/home care, nursing facility/home care, and hospice care.
Competitive LTCi carriers and products
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