What is hybrid long term care life insurance?

Hybrid long-term care life insurance is a type of policy that combines life insurance with long-term care (LTC) benefits. It helps cover the costs of nursing homes, assisted living, or home care while still providing a death benefit to your loved ones.

How Does It Work?

1. Dual Benefits – Provides both long-term care coverage and life insurance.
   
   

2. Use It or Pass It On – If you don’t need long-term care, your beneficiaries receive the death benefit.
   
   

3. Lump-Sum or Monthly Premiums – You can pay once or over time.
   
   

4. Protects Your Savings – Helps cover expensive medical care without using personal savings.
   
   

5. No “Use It or Lose It” Risk – Unlike traditional LTC insurance, your money doesn’t go to waste if you never need care.
   
   

This policy is great for those who want financial security, flexibility, and peace of mind while planning for the future