Long-Term Care

Long-Term Care Coverage

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Long-Term Care Options and Information

Here at Ameri Quote Insurance, we've found that some people prefer the advantages of going the "hybrid" route for their long-term care coverage. Our agents work with highly experienced professionals who understand the "hybrid" market inside and out.


Our hybrid clients typically:


  • Want a guarantee there will be NO rate increases to their premium, ever.
  • Are very comfortable financially and are tempted to self-insure the risk, but realize having insurance may be prudent.
  • Are people with $100-150K in an easy-access fund like a money market, CD, etc. – as "rainy day" money.
  • Like to know they are going to use this insurance. With hybrid, there's a death benefit (life insurance) or the option to use the death benefit for long-term care costs instead. Hybrids work very similarly to "stand-alone" LTC products at claim time.
  • May have income tax sensitivity. Benefits are income tax-free.
  • May have more severe health issues preventing the stand-alone companies from issuing them a policy. (We can often find a hybrid company that may accept some health histories that are not acceptable by stand-alone companies.)


Other advantages of some hybrid LTC products:


  • One of our carriers still offers unlimited lifetime coverage for LTC
  • Though funds are reallocated, it remains your money under your control. So the money will be used for long-term care costs, a death benefit (life insurance), or you can pull out your money later.

Free Consultations for Long-Term Care

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Ameri Quote Insurance

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