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Frequently Asked Questions

Do you sell insurance?

Yes I do! is an insurance website that is centered around the topics of long-term care and hybrid long-term care life insurance. I help educate and assist our visitors in applying for hybrid long-term care insurance.

Is this site ran by an agent or agency? is independently owned and operated by licensed Life/Health Insurance Agent Michael B. Chapman. I have been a long-term care insurance agent for the past decade and I’m well-versed in the issues of long-term care and proper planning.

Do you have any references or testimonials?

Yes I do! Visit my Testimonials Page to see what others like yourself are saying about my services!

What is the best age to plan for Long-term Care?

If you’re thinking about long-term care, than the right time to plan would be now. One of the main planning tools for long-term care is Hybrid LTC insurance. Hybrid LTC insurance rates are based on mortality & morbidity. Therefore, your chances of approval and your premium rates will typically be better the younger and healthier you are when you apply.

How much hybrid long-term care insurance do I need?

The “right amount” of hybrid long-term care insurance is different for every individual. Therefore, the amount of insurance you should get must be tailored towards your specific needs. A good starting point for determining the amount of insurance you need is looking up the Cost of LTC Care in the state you plan to permanently reside in after retirement.

What happens to my Hybrid LTC insurance if I never need long-term care services?

The great thing about Hybrid LTC insurance is it provides three valuable options for your money. It creates long-term care benefits if you need long-term care. It creates a death benefit in the event you never need long-term care & lastly, it provides a return of premium if you ever change your mind.