TRADITIONAL LTC
Traditional long-term care insurance provides dedicated coverage for extended care needs, helping clients protect their assets from being depleted by high healthcare costs. It offers flexibility in care settings, including at home, assisted living, or nursing facilities. Premiums are often lower than hybrid options when purchased at younger ages, and policies may qualify for state partnership programs that offer Medicaid asset protection. This solution can play a key role in preserving a client's retirement portfolio and financial legacy.
HYBRID-LINKED BENEFIT LONG TERM CARE OPTIONS
A life insurance policy with long-term care benefits offers dual protection—providing a death benefit to beneficiaries and access to funds for long-term care if needed. This helps clients preserve their assets while ensuring care costs don’t erode their legacy. Premiums are often guaranteed, and benefits are typically income tax-free, offering predictable planning advantages. It’s a flexible, efficient solution for clients concerned about both longevity and leaving a financial legacy.
Hybrid Life with LTC Product Information
FIXED ANNUITY WITH LONG TERM CARE
A linked fixed annuity with long-term care benefits provides coverage for future health needs. It allows clients to leverage their retirement assets efficiently by doubling or tripling income if long-term care is needed, without requiring separate insurance. The fixed annuity base ensures principal protection and steady growth, even in volatile markets. This solution helps financial advisors offer clients peace of mind and a streamlined approach to managing two major retirement risks: longevity and healthcare costs.
Fixed Annuity with LTC Information
OTHER LTC RESOURCES
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Kiplinger – expert-guide-to-planning-for-long-term-care
Medicare.gov – Long-Term Care Coverage: Clarifies what Medicare does and does not cover: www.medicare.gov/long-term-care