“U.S. insurers already sell annuities that offer long-term care benefits, and life insurance policies that offer long-term care benefits, or similar benefits. The Long Term Care Innovations Subgroup, a panel of regulators at the National Association of Insurance Commissioners, has talked about the possibility of encouraging the creation of other types of hybrids. The subgroup has suggested that an insurance policy could protect consumers against death or disability when they are young, then turn into long-term care insurance once the insureds are old.”

LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform):
We have different needs at different life stages so why not recognize that reality and cover them all with a single policy?

5 Long-Term Care Hybrid Perspectives

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