March 6, 2016, New York Timnes: — Hybrid Long-Term Care Policies Provide Cash and Leave Some Behind-The New York Times
January 14, 2016, ElderLaw: — Long-Term Care Hybrid Products Give Buyers More Options
June 2, 2015, NerdWallet: — Hedging Your Bets With Hybrid Life Insurance and Long-Term-Care Policies
May 4, 2014, Wall Street Journal: — How to Size Up 'Hybrid' Long-Term-Care Policies - WSJ
April 21, 2014, Forbes:: — New and Unexpected Ways to Fund Long-Term Care Expenses
January 7, 2015, Investment News: — Hybrid life-LTC policies are a hit among advisers
June 26, 2014, Financial Planning: — New Combo Policies Offer Long-Term Care Option
September 28, 2012, Wall Street Journal, Marketplace: — Does Long-Term Care Mix with Life Insurance?
September 21 2012, Wall Street Journal, Marketplace: — LTCI Weighing the Alternatives
July 2012, Employee Benefit News, Insurance Trends: — LIMRA report: Double digit growth for life combination products
April 2012, WSJ Weekend Investor, "Don't grow old without it": — How to buy Long-Term Care Insurance
March 2012, WSJ Weekend Investor, LTC - Now what?: — Long-Term Care: Now What? Consider Hybrid
March 2012 Prudential LTC News: — Prudential Follows Rivals, Pares Long-Term Care Offerings
February 2011 EBN Benefit News: — Hybrid LTC plans cited among 2011 benefit trends
October 2010 Wall Street Journal: — LTC Premiums soar
November 2010 Wall Street Journal: — MetLife Ends Sale of LTC
November 2010 Bloomberg: — MetLife exits business
New and Improved!
10 pay as opposed to single pay HYBRID life insurance models are becoming increasingly popular-and the SINGLE premium fixed life insurance model has been the alternative of choice.
But the life insurance model has just become even better.For many people the single premium was too large a barrier . Sometimes it required a significant qualified plan distribution-with a nasty tax liability. And even if the plan was funded by a maturing CD or money market fund-it still required fortitude to reposition the money.
BUT NOW THE 10 PAY MODEL IS MUCH MORE PALATEBLE- AND IT PROVIDES GREATER LEVERAGE TOO. Pennies on the dollar can be leveraged into lifetime long-term care insurance benefits. Infinite benefits!
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