Long-Term Care Planning & Life Insurance

The Difference Between Hybrid & Rider Solutions


In 2018, the market for Long-Term Care (LTC) plans using a life insurance chassis exceeded $4 Billion!!  Far too often, however, these Linked-Benefit or Hybrid solutions are discussed just like they are a life insurance policy with a LTC or Chronic illness rider.  In reality, while they seem similar, they are actually very different altogether and the chart below gives a clear chance to see differences.....


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.



        Sponsor Code = "LTC"

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