Combination Policies Provide A Guaranteed Death Benefit To Beneficiaries If Long Term Care Is Not Needed

As long term care policies become more expensive, and harder to qualify for, our clients are asking us to explore alternative long term care planning options.

An often overlooked solution is a combination Long Term Care/Life Policy.

Here are some policy highlights:

  • Both spouses can be covered under one policy
  • Long term care benefits include home care, assisted living, nursing home/Alzheimer’s
  • Unused long term care benefits go to heirs in a tax free death benefit
  • Premiums are guaranteed
  • Long term care benefits are tax free

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