Hybrid Companies & Products

Insurance companies and their products that we represent

RetirementGuard is independent. With access to all of the companies and products below, we look for the appropriate solution for you. Most financial planners do not have access to all of these products because they specialize in your overall investments. RetirementGuard specializes in insurance that will keep your investments safe. This is all that we do!

Lincoln

Lincoln Financial

Lincoln Financial Group is a Fortune 500 company offering a diverse range of financial services and solutions. The company has a strong focus on four areas: life insurance, annuities, retirement plan services, and group protection.

MoneyGuard

MoneyGuard is a popular hybrid product. They are competitive for men and women at every age. MoneyGuard provides 100% vesting (with a single premium you can get all of your money back after 6 years) or 80% vesting with higher long-term care values. It is a reimbursement model with no elimination period. MoneyGuard also has a very popular 10 pay model.
PacificLife

Pacific Life

Pacific Life provides an interesting hybrid option. It is more "traditional" in that 100% of the premium is always available should the insured want their premium outlay returned.


PremierCare Advantage

PremierCare Advantage is another competitive product. They differentiate themselves with a 100% money back offer at any time. There is no vesting and there are no surrender charges. Pacific Life tends to be the most competitive hybrid product for men under age 72. PremierCare Advantage is a reimbursement model that can be funded with a single contribution, or over 5 or 10 years.
Securian Financial

Securian Financial

Securian (Minnesota Life) is an extremely attractive product choice in a competitive landscape. Securian uses an indemnity (cash) payout model which is user friendly from a benefit perspective.

In addition cash benefits are infinitely better in terms of claims filing because there are no daily or hourly reimbursement bills that need to be submitted. Securian also provides a 100% money back guarantee should the insured want or need to cancel their policy.
Nationwide

Nationwide Insurance

Nationwide is a strong and stable company with a mutual ownership structure. Over the past 85 years Nationwide has become one of the largest insurance and financial services companies in the world, with more than $158 billion in statutory assets. Nationwide is a Fortune 500 company, a leading provider of personal and commercial property and casualty insurance and long-term retirement savings products.

CareMatters

CareMatters differentiates itself because it is the only indemnity model. Long-term care benefit payments are not contingent upon a licensed individual or agency providing care at home as they are with reimbursement models. 100% of the eligible benefit is paid regardless of who is providing care- including family, neighbors or friends.

Contact us for a free confidential conversation and quote.

Things to Consider