Combination (Hybrid) Life-Long Term Care Insurance
Not to be confused with primarily life insurance that has a small long term care benefit tacked on. Hybrids provide a leveraged long term care benefit with a small life insurance component. More than one insurance company offers this innovative policy. When appropriate to their individual situations, I had already been offering Pacific Care by Pacific Life Insurance Company. At last month's Kansas City long term care insurance conference, I became comfortable* with two additional...Read More
Am I Covered If I Relocate To...
All of the US long term care insurance companies I work with (currently Genworth, John Hancock, Life Secure, Mass Mutual, Med America, Mutual of Omaha and Transamerica) pay benefits in all 50 states plus the District of Columbia. But what if you need long term care services while in another country? Genworth: Full policy benefits for... Read More
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