Free Guide to Hybrid Long-Term Care Insurance!

The unknown cost of healthcare is one of the biggest risks to retirement security. All retirees face the possibility of unforeseen future debilitating illness that may result in large, unexpected costs over time.

Unfortunately, when it comes to the issue of long-term care, the risks don’t end there.

Without suitable planning, the consequences for loved ones – especially those forced by necessity to shoulder the burden of care for a struggling spouse or partner – can lead to additional, irreparable physical and emotional harm.

Insurance intended to help relieve risks associated with long-term care first appeared in the 1970s.

Unfortunately, the history of long-term care insurance has also been fraught with difficulty. For traditional long-term care insurance policies,

• • • Policy premiums are high because of the increased likelihood for claims to occur.
    • Accurately estimating the cost of future risk has been difficult for insurers – causing premiums to be raised on many “classes” of policyholders.
    • Covered individuals must pay costly policy premiums for life – often for decades – even though they may never end up using the insurance.
    • Premiums paid into the policy are lost if a traditional long-term care insurance policy is not used to pay for care,

Obstacles like these can make the cure feel worse than the disease.

But there is good news!

There is an alternative to traditional long-term care insurance known as “hybrid” or “asset based” long-term care insurance.

A child of two key federal laws, hybrid long-term care insurance solves several of the chief problems associated with traditional long-term care insurance – not the least of which are greater price stability, guaranteed premiums that can be “paid-up” and not continue for a lifetime, and the opportunity for heirs to recoup premiums if a policy is unused.

Complete the form below for your FREE Guide to Hybrid Long-Term Care Insurance!

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