Securian has leaped to the front of the hybrid long term care policy conversation with its new SecureCare IV policy. Known for its flexible cash indemnity long term care benefits, Securian has always offered an attractive hybrid LTC policy. Now,...

In 2010, the Pension Protection Act (PPA) became effective allowing long-term care benefits to be received tax-free from a non-qualified annuity. This legislation has allowed the use of long term care annuities to become very efficient when...

July 8, 2025

Earlier this year John Hancock released a new policy into the hybrid long term care arena with its new product offering, LifeCare, an indexed universal life insurance policy with long term care benefits. This is a welcome change for...

June 20, 2025

Well, it has been a long 6 years for Lincoln Financial. Once the king of the hybrid long term care arena, Lincoln has spent the last 6 years in brokerage purgatory as new long term care policies were introduced from the competition...

OneAmerica Financial has updated its popular market-leading Asset Care policy. The new Asset Care hybrid long term care policy is now available in 38 states.

Asset Care is a whole life policy that will allow you to access 100% of your life...

July 1, 2024. About 4 years ago New York Life revised Asset Flex, its version of a hybrid life and long term care insurance policy to look and feel exactly like Lincoln Moneyguard which for 2 decades has been the standard bearer in the hybrid...

June 19, 2023

The Nationwide CareMatters Together policy is finally here!  It feels like we have been awaiting the release of this new joint life cash indemnity LTC policy for an eternity. And at first glance, the benefits and the pricing of...

May 16, 2023.  I have been waiting a few months to blog extensively about the current pricing on the Securian SecureCare III policy.  It has been almost 4 months since Securian reduced its pricing by 25% on its SecureCare III cash...

April 5, 2023

Lincoln Moneyguard is the original hybrid based long term care insurance policy, first introduced into the marketplace in 1987. Followed shortly thereafter in 1989 by the OneAmerica Asset Care policy, Lincoln Moneyguard has been at...

June 30, 2022.  Many people assume the Lifetime Unlimited benefit period is no longer available with long term care insurance companies.  Possibly your insurance agent or your financial advisor has told you that all underwriters stopped...