Explore the benefits of Hybrid Life Insurance with Long-Term Care for comprehensive protection."
Hybrid Life Insurance with Long-Term Care combines the benefits of life insurance with long-term care coverage
This innovative policy provides financial support for medical and non-medical expenses related to long-term care, while also ensuring a death benefit for your loved ones. It’s a dual-purpose solution designed to offer peace of mind and financial stability.
The Financial Strain of Long-Term Care
Many families face significant financial challenges when a loved one requires long-term care. Traditional savings and health insurance often fall short, leaving you to cover substantial costs out-of-pocket. These expenses can quickly deplete your retirement savings, affecting your financial security.
The U.S. Department of Health & Human Services estimates that more than half of Americans age 65 or older will need long-term care services at some point.
Our Hybrid Life Insurance with Long-Term Care policy is designed to protect both your health and your finances. If you need long-term care, a portion of the policy’s death benefit can be used to cover expenses. If you don’t use the long-term care benefits, the full death benefit goes to your beneficiaries.
This ensures that your investment always provides value.
The Benefits
Comprehensive Coverage
Combines life insurance and long-term care benefits.
Financial Protection
Helps cover the cost of long-term care without depleting your savings.
Death Benefit
Provides a tax-free death benefit to your loved ones.
Flexibility
Choose how much of your policy is allocated to long-term care or life insurance.
Guaranteed Value
Ensures you or your beneficiaries receive value from the policy.
Estate Planning Tool
Helps in transferring assets efficiently, avoiding costly probate.
Set Premiums
Enjoy predictable payments with no unexpected rate increases.
Getting started is simple.
When you invest in a Hybrid Life Insurance policy with Long-Term Care, you’re securing a dual-purpose coverage. If you require long-term care, you can access a portion of your death benefit to cover the costs. If you don’t use these benefits, the death benefit is paid out to your beneficiaries. This policy ensures that you’re protected regardless of how your needs change over time.
