Insurance carriers are starting to see the trends in Long-Term Care Insurance (LTCi). Stand alone policies have dropped off in sales the last few years, but more and more life insurance policies are becoming "hybrid" in nature. Some policies now include a long-term care part into life insurance products to give your clients stronger and better options for an unforeseen life event.
Long term care expenses can often be addressed using other forms of insurance coverage. Hybrid plans that use an annuity or life insurance base can meet the needs of many individuals. In addition, in many states Short Term Care plans that provide coverage for one year can be purchased. Contact us.