Long-Term Care Planning & Life Insurance

The Difference Between Hybrid & Rider Solutions

The market for Long-Term Care (LTC) plans built on a life insurance chassis exceeds $4 Billion annually.  However, far too often, these Linked-Benefit or Hybrid solutions are discussed or compared just like they are a life insurance policy with an LTC or Chronic illness rider. 

While these concepts or products seem similar, they can actually be very different altogether and the chart below begins to provide some clarity.....Understanding the differences can help determine the most appropriate solution to recommend for a client’s LTC Plan.  

Please contact an INERTIA Strategist to schedule time to discuss the specifics, and how each of these concepts might be appropriate for your clients.