Consider Hybrid Long-Term Care Insurance
Hybrid long-term care life insurance combines the benefits of long-term care insurance and life insurance into a single policy. It is a permanent life insurance policies with a long-term care rider. Hence, it leverages your payment(s) for two purposes:
- to create long-term care benefits to pay monthly long-term care expenses
- to create a life insurance death benefit in the event you never need long-term care.
Hybrid LTC-life insurance comes with added benefits. For example, you can get desired coverage for a guaranteed premium amount. Also, you have the option to surrender your policy for a guaranteed return of premium if you ever change your mind.
Finding The Right Coverage
Finding the right Hybrid Long-Term Care policy sometimes is no easy task. Therefore, rely on the expertise of someone who has a decade’s worth of experience to guide you to your best available options.
There are 5 Things to Consider In Every Hybrid Long-Term Care Insurance Policy. Let us show you what they are and help you make an educated choice in selecting a policy that fits your needs.
See What Past Clients Are Saying
Michael provided me and my husband with solid insurance advice when we were considering policies. Michael is an experienced, knowledgeable, and very patient insurance agent.
I find that he takes his time to fully explain the products and terminology we tend to overlook. I believe Michael’s honesty and personable approach makes him stand out in an industry driven by numbers.Charmaine W. – New York, NY