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​HYBRID LIFE & LTC

Add a rider to your client's Life policy.

​Hybrid Life insurance products have been gaining in popularity to replace traditional Long-term Care products. Essentially a Long-term Care rider is attached to a Life insurance policy or Annuity product. Unlike traditional Long-term Care insurance, your client's policy costs are set at time of issue and will never increase. If your client does not need Long-term Care, their policy provides an income tax-free death benefit or can provide cash accumulation.
The long-term care benefit will kick in if your client can no longer perform two of the six "Activities of Daily Living":
  • ​Bathing themself
  • Dressing themself
  • Going to the bathroom by themself
  • Feeding themself
  • Moving from a chair or bed without assistance
  • Continence
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Connect

1480 Chapel Ridge Road
​Suite 200
​Apex, NC 27502


​800.928.4998
919.489.3600
​919.419.0401 (fax)

[email protected]

Products

​Ancillary
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Dental, Vision & Hearing
Hybrid Life & LTC
Life & Annuities
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