LAKEVILLE, CT — The rising popularity of “HYBRID” plans as a long-term care risk solution is gaining stream. As premium payment schedules become more consumer friendly they are becoming a significant component of our business. Because this insurance format is relatively new, there are very few truly independent “experts” who can speak fluently in this space about a variety of insurance company choices- and their strengths and weaknesses. Every product has their own strengths and weaknesses and, as a result, no single company can claim that they are universally “best” Best depends upon a variety of factors unique to every client.

I define Hybrid not as any life insurance policy that can pay long-term care benefits, but those companies that weight the benefits paid to long-term care and not death benefits. With Hybrid’s as I define them the sole function of the death benefit is to return cumulative premiums paid income tax free to beneficiaries if long-term care is never needed. Because life insurance is a minor component, more long-term care benefits per premium dollar are available to the insured.

The following companies offer Hybrid products under my definition;

• Brighthouse Financial
• Lincoln National, MassMutual
• Minnesota Life, Nationwide
• Pacific Life
• State Life

Which is best for you and your unique circumstance? I can help you figure this out. Pretty easily. Without a fee or obligation.

Call me toll free at 1-888-793-6111
OR e-mail me at
helpme@retirementguard.com

Craig Davis, President, RetirementGuard
Craig Davis
www.hybrid-ltc.com