Hybrid Companies & Products
Insurance companies and their products that we represent
RetirementGuard is independent. With access to all of the companies and products below, we look for the appropriate solution for you. Most financial planners do not have access to all of these products because they specialize in your overall investments. RetirementGuard specializes in insurance that will keep your investments safe. This is all that we do!
Lincoln Financial Group is a Fortune 500 company offering a diverse range of financial services and solutions. The company has a strong focus on four areas: life insurance, annuities, retirement plan services, and group protection.
MoneyGuard is the most popular hybrid product, for good reason. They are competitive for men and women at every age. MoneyGuard provides 100% vesting (with a single premium you can get all of your money back after 6 years) or 80% vesting with higher long-term care values. It is a reimbursement model with no elimination period. MoneyGuard has a very popular 10 pay model.
Pacific Life provides an interesting hybrid option. It is more "traditional" in that 100% of the premium is always available should the insured want their premium outlay returned.
PremierCare Advantage is another competitive product. They differentiate themselves with a 100% money back offer at any time. There is no vesting and there are no surrender charges. Pacific Life tends to be the most competitive hybrid product for men under age 72. PremierCare Advantage is a reimbursement model that can be funded with a single contribution, or over 5 or 10 years.
MassMutual is a mutual company, founded in 1851. They do not have shareholders, their members and participating policyowners are often described as sharing in our ownership. The company is managed with a focus on their long-term interests - not subject to the expectations of Wall Street analysts or stockholders. Their success is reflected in our financial strength ratings, which are among the highest of any company in any industry.
CareChoice One differentiates itself by providing the strongest death benefit and cash values. This comes at the expense of weaker long-term care benefits, but can be an ideal choice for those looking for a strong balance between income tax-free death benefits to beneficiaries’, high cash values that can be returned while the insured is still living, and long-term care benefits. Currently the product can only be funded with a single contribution.
Nationwide is a strong and stable company with a mutual ownership structure. Over the past 85 years Nationwide has become one of the largest insurance and financial services companies in the world, with more than $158 billion in statutory assets. Nationwide is a Fortune 500 company, a leading provider of personal and commercial property and casualty insurance and long-term retirement savings products.
CareMatters differentiates itself because it is the only indemnity model. Long-term care benefit payments are not contingent upon a licensed individual or agency providing care at home as they are with reimbursement models. 100% of the eligible benefit is paid regardless of who is providing care- including family, neighbors or friends.
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