We feature Life/LTC linked benefit plans from A+(Superior) rated carriers.
Linked benefit, hybrid Life/LTC plans have tremendous advantage over stand-alone LTC plans. With linked benefit plans, either the policyowner or the beneficiary will receive (1) leveraged LTC benefits, (2) a higher death benefit amount, or (3) a return of premiums. That's not true with stand-alone LTC plans into which a policyowner can pay a lot of premiums, and unless LTC benefits are paid out, never receive anything in return.
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