Hybrid Plans
The hybrid carrier pages currently live on LTC Tree. These are the product-specific breakdowns for hybrid life + LTC plans, not just broad comparison pages.
Start with the hybrid carrier write-up you actually want
If you already know you're shopping hybrid life + LTC, this is the fastest way into the carrier-specific pages. We're only listing live `app/carriers` pages here, so this directory is intentionally narrower than our full comparison shortlist.
Securian
SecureCare IV · Hybrid Life + LTC
Buyers who want the strongest all-around modern hybrid feature set with cash indemnity and international coverage.
- Cash indemnity — no monthly receipts after claim approval
- Full LTC benefit for qualified care outside the U.S.
- Retroactive benefits after the 90-day elimination period
- Single-pay through 20-pay funding options
Nationwide
CareMatters II · Hybrid Life + LTC
Buyers who want cash indemnity, flexible care arrangements, and among the most lenient hybrid underwriting.
- Cash indemnity — pay family caregivers without receipts
- Retroactive day-91 payment
- Strong inflation rider options
- Among the most lenient underwriting in the hybrid category
Lincoln Financial
MoneyGuard · Hybrid Life + LTC
Buyers who want a mature hybrid platform with a choice of fixed or market-linked policy designs.
- Noncancelable LTC rider — Lincoln cannot raise rider charges
- Fixed design + market-linked Market Advantage option
- Typically ~10% more LTC benefit than cash-indemnity peers
- No elimination period required on most designs
Brighthouse
SmartCare · Hybrid Life + LTC
Buyers who want indexed life insurance features paired with LTC protection.
- Indexed universal life chassis with growth potential
- Cash indemnity LTC claim payments
- Competitive cash-benefit pricing
- MetLife lineage — decades of LTC experience
New York Life
Asset Flex · Hybrid Life + LTC
Healthy buyers who want a nationally available linked-benefit policy and may benefit from class-based underwriting.
- Official page says benefits can extend up to 7 years
- Available in all 50 states and DC
- Underwriting classes can reward healthier applicants
- Partial, vested, or full return-of-premium options
Need the wider comparison, not one carrier?
Use the broader hybrid pages if you're still deciding between structures, not just carriers. We'll help you compare Life + LTC, asset-based designs, and the hybrid shortlist side by side.