Traditional LTC
You pay annual premiums for life. If you need LTC, the policy pays a daily benefit. If you never need LTC, you never get your premiums back.
Hybrid Life/LTC
You pay a larger lump sum or fewer premiums. If you need LTC, you draw against your death benefit. If you don't, your heirs get the full death benefit.
When Traditional Wins
- You're younger (50s) and want maximum daily benefit for the lowest premium
- You're confident you'll need care
- You don't mind "use it or lose it" pricing
When Hybrid Wins
- You can fund a lump sum (often $100K+)
- You want guaranteed value either way (LTC or legacy)
- You're risk-averse to traditional LTC premium increases
What We Run
A full comparison with carrier-specific quotes during the consultation.