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TRUSTED INSURANCE CARRIERS

Mutual of Omaha long term care insurance.
Aetna long term care insurance.
John Hancock life insurance quotes.
Securian Financial long term care insurance.
Thrivent Financial long term care insurance.
Brighthouse Financial long term care insurance.
NGL long term care insurance.
Global Atlantic long term care insurance.

December 28, 2022 by LTC Insurance Consultants

Life Insurance Exchange for Long Term Care Insurance

Perhaps your current situation indicates your life insurance policy might be more beneficial to you if it was a long term care insurance policy. If so, you could have some options to consider as you may be able to perform a tax-free 1035 exchange of your life insurance policy for a long term care insurance policy. And, you’ll never have to pay taxes on the gains because long term care benefits are not taxable.

The long term care insurance specialists at ACACIA Insurance Services are experts in LTC planning.
Some insurance carriers have long term care insurance options allowing a partial exchange of your life insurance to pay for your long term care insurance premiums. Another option would be to exchange your life insurance policy for one that combines life insurance with long term care protection. This type of policy provides a pool of money that can be used as either a death benefit or long term care benefit. If you don’t end up needing long term care then your estate will receive the death benefit. Either way, protecting yourself from the high cost of long term care is an important part of retirement planning.

Filed Under: Long Term Care Costs, Long Term Care Insurance General Blog, Long Term Care Insurance Premiums, Long Term Care Insurance Regulations Tagged With: acacia insurance services, genworth financial, life insurance policy, long term care benefits, long term care insurance, long term care insurance premiums, long term care insurance specialist, retirement planning, tax-free 1035 exchange

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