Long-Term Care & Life Insurance Planning Made Simple

A Clear, Straightforward, & Practical Approach

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Long-Term Care Event

Long-term care is when a licensed health practitioner certifies you as “chronically ill.” This means you can’t do two or more activities of daily living.

Activities of daily living are considered eating, bathing, dressing, toileting, transferring (in and out of bed), and continence.

A person’s inability to do “ADL’s” is normally due to a loss of functional capacity. A loss of functional capacity can be caused by health issues that occur in the later stages of life.

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:

  1. to create long-term care benefits to pay monthly long-term care expenses
  2. 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.

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Chen Z. Chicago, IL

I was very happy with the service that Michael provided. He is very knowledgeable of long term care insurance policies.

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James B. Greenville, S.C.

“…After providing me with a quotation for coverage to supplement my existing one, he thoroughly explained each item in it. Michael listens to what you say and provides you with what you need. I feel that Michael is an ethical and practical insurance professional.”

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Mike H. Coconino County, AZ

“I am very happy with the long-term care product Michael recommended. His knowledge and ability to explain it was great. I would use his services again and highly recommend them to others!”