Protect your family’s financial future while securing your own long-term care needs with a hybrid insurance solution that serves a dual purpose.
Hybrid life insurance provides both long-term care benefits and a life insurance payout, offering protection no matter what the future holds. These plans feature guaranteed level premiums and ensure your loved ones receive value, even if long-term care is never needed.
A long-term care rider allows you to access your life insurance death benefit early to pay for qualifying care expenses at home or in a facility.
Premiums are flexible and can be guaranteed level, depending on the plan you choose.
Benefit Example: With a $300,000 life insurance policy and LTC rider, you could access up to $6,000 monthly (2% of death benefit) for qualified care expenses. If you use $100,000 for care over several years, your beneficiaries would receive the remaining $200,000 death benefit.
Ideal if you’re primarily focused on leaving a legacy for beneficiaries but want protection against unexpected care costs.
Best suited for younger adults who prioritize death benefit protection with long-term care as secondary coverage.
Benefits are limited to your death benefit amount with no inflation adjustments over time.
Every dollar used for care reduces the amount your beneficiaries will receive.
May not provide adequate coverage if extensive long-term care is needed.
Combines life insurance with comprehensive long-term care coverage that extends well beyond the basic death benefit amount.
Includes optional inflation protection and can provide unlimited lifetime benefits for qualifying care.
Premiums are guaranteed to never increase once your policy is issued.
Benefit Example: A $100,000 single-premium linked-benefit policy could provide $300,000 – $400,000 in long-term care benefits. If you never need care, your beneficiaries receive the full $100,000 death benefit.
Perfect if long-term care protection is your primary goal, with life insurance as a backup benefit for unused coverage.
Joint policies available to cover both spouses under a single plan with shared or separate benefit pools.
Protects your retirement assets from market downturns by eliminating the need to sell investments during poor market conditions to fund care.
Best suited for pre-retirees and retirees (ages 50+) with substantial assets to protect.
Policies can be structured as a single premium, 10-pay, or ongoing annual payments.
Fund premiums with existing assets like CDs, IRAs, or the cash value of other life insurance policies.
Premiums reflect the cost of dual coverage, offering both life insurance and comprehensive long-term care benefits in one policy.
Now that you’ve seen the key differences between these plans, the right choice depends on your goals, budget, and planning timeline.
Both options provide valuable protection. The best fit comes down to what you want the policy to accomplish. Whether that means ensuring financial security for your family or preparing for potential long-term care needs.
Age-Based Guidance
Goal-Based Guidance
Our licensed specialists are here to help you compare your options and choose a solution that fits your age, assets, and goals.
Hybrid life insurance policies offer fixed, predictable costs that traditional long-term care insurance often cannot match. Your premiums are locked in from the start, giving you confidence and control over your long-term financial planning.
Benefits Include:
Our licensed specialists offer personalized, unbiased guidance to help you compare life insurance with long-term care coverage. Here’s what you can expect:
✓ Side-by-side comparisons of top-rated hybrid long-term care insurance products
✓ Tailored recommendations based on your goals, age, and health profile
✓ Expert support with health qualification to improve your chances of approval
Compare Plans Now >AUTHOR
Mike Berger, National Sales Manager
Reviewed by: Craig Matesky, ACACIA Insurance President