hybrid long term care insurance

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Hybrid LTCI

By |January 5, 2023|Categories: Blog|Tags: , , , , , , |

Should I Buy Hybrid Long Term Care Insurance?

Hybrid Long Term Care Insurance policies combine traditional Long Term Care Insurance with guaranteed Whole Life insurance.  If you need long term care the policy works just like the traditional LTC plans and it will pay for home healthcare, assisted living, adult day care and nursing home care.  However, if care is never needed, then the Hybrid Long Term Care Insurance policy will return principle plus interest back to the family at death in the form of tax free life insurance benefit. […]

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All Of The Ways to Pay For Your Long-Term Care

By |January 4, 2021|Categories: Uncategorized|Tags: , , , , |

A Long-term care insurance policy will help cover the costs of assisted living, nursing homes, and home health care. It exists in case you can no longer care for yourself due to age, disability, or a chronic condition.

Long-term care insurance can be a sensible coverage option for many. Especially when you consider the fact that, 70% of individuals 65 and over will need this type of care at some point as according to, the U.S. Department of Health and Human Services.

So why doesn’t everyone opt for this option? The truth[…]

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Is Hybrid Long term Care Insurance For me?

By |December 18, 2020|Categories: Uncategorized|Tags: , , , , |

Purchasing Hybrid Long Term Care Insurance

If you are familiar with the way a traditional life insurance policy works then you understand that the policy will pay out a death benefit to any beneficiaries in the event of your passing. There are also some policies which will utilize this death benefit in order to payout or offer assistance while you are still alive, this is often a type of rider. Hybrid long term care insurance combine benefits from long term care insurance and combines then with the death benefit from payout from life insurance policies. These policies can provide relief[…]

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Should you buy Hybrid or Traditional Long Term Care Insurance?

By |June 24, 2017|Categories: Advice|Tags: , |

The Go-Go 1990’s

The year was 1999 and like the dot-com era of companies such as Pets.com, things were sky high for the Long Term Care Insurance Industry and the financial industry in general.  Banks and Insurance companies were flush with cash and interest rates were at a normal 5%-6% range for things like CD’s and the 10-year US Treasury.  The fixed interest rate market was critical for for these Long Term Care Insurance companies offering the at the time rich benefits for the premium dollar.

Insurance companies are required by the State Insurance Commissioner’s office to put a large portion[…]

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