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...

December 12, 2024

In 1996, the Health Insurance Portability and Accountability Act (HIPAA) outlined the requirements for tax-qualified long term care policies under Internal Revenue Code 7702B.

HIPAA also defined a hybrid life-long term care...

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...

May 17, 2024

Written by Jack Lenenberg

On the surface, you may believe that long term care insurance policies will operate in the exact same way when you reach the point in your life that you need to receive care.

As you may already be aware...

May 16, 2024

Written By Jack Lenenberg

As you are aging and with long term care costs escalating to over $100,000 annually, a common concern you may have today is "How am I going to pay for my future long term care costs?"

It might be natural...

What Is Long Term Care Insurance?

Long term care insurance policies will reimburse you for costs related to caregiving expenses when you are determined to be chronically ill. Your private health insurance and Medicare will not typically pay for...