A CRUCIAL PRE-PLANNING TOOL FOR FUTURE CARE
A Hybrid Long-Term Care Insurance policy provides essential coverage in the event of a long-term care stay. In addition to providing competitive commissions for you, Hybrid LTCI offers flexibility and growth for your retirement-aged clients.
✓ Coverage for Future Care
✓ Guaranteed Death Benefit
✓ Asset Preservation
Long-Term Care Insurance (LTCI) is an important pre-planning tool for your healthy clients to plan for future care costs. It provides coverage in the event they require a nursing home stay, assisted living, or home health care at some point in the future. Hybrid LTCI, which is also known as Asset-Based LTCI, consists of a life insurance or annuity contract with long-term care benefits attached to the policy. Typically funded with a single premium, this policy has cash value that continues to grow, providing a return on investment for the owner.
BENEFITS OF HYBRID LONG-TERM CARE INSURANCE INCLUDE:
Protected Premium Investment
Multiple Facility Options
Access to Cash
HYBRID LTCI MAY BE RIGHT FOR YOUR CLIENT IF THEY:
Are in good health and looking to solidify their estate plan
Are worried about their future long-term care
Have a higher net worth to invest a lump sum
Want peace of mind