Selecting the right policy type is foundational to ensuring your long-term care strategy aligns with your financial planning and personal care preferences.
Traditional Long-Term Care Insurance offers dedicated coverage for long-term care costs without accumulating cash value, making it a straightforward, often more affordable choice.
Hybrid LTC Insurance combines long-term care benefits with life insurance elements, providing a death benefit alongside care coverage. This dual approach not only secures your health care needs but also offers financial flexibility and potential benefits to your heirs.
As you weigh your options, consider both your immediate needs and long-term financial goals to determine which type of policy best suits your lifestyle and legacy planning.
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*Not all products and carriers are available in all states.