The smartest way to plan for long-term care — a single policy that pays your family a death benefit if you never need care, or covers your care costs if you do.
One policy provides both a life insurance death benefit AND long-term care coverage — maximum value for your premium.
If you never need long-term care, your heirs receive the full death benefit. Your premium is never wasted.
Unlike traditional LTC policies, many hybrid products offer guaranteed level premiums that never increase.
Access benefits for home care, assisted living, or nursing home care — on your terms.
A hybrid policy combines life insurance with long-term care benefits. You pay a lump sum or ongoing premiums, and the policy provides an accelerated death benefit you can use for long-term care expenses if needed.
Traditional LTC insurance is "use it or lose it" — if you never need care, you get nothing back. A hybrid policy guarantees a death benefit to your heirs if you never use the LTC benefits.
Yes. Many hybrid products accept a single premium payment, often funded by rolling over an existing annuity, CD, or savings account. This is a popular strategy for retirees.
Long-term care benefits paid from a hybrid policy are generally received income tax-free. The death benefit is also typically income tax-free to beneficiaries.
Glenn will walk you through the top hybrid products on the market and help you find the right fit for your budget and goals.