Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Combination Products

Combination Long Term Care Policies

Combination Long Term Care insurance (LTCi) policies, also known as linked-benefits or hybrid policies, are quickly gaining popularity.  It combines or links long term care benefits with another type of insurance - life insurance plan or an annuity.  It provides a benefit pool to pay for qualified long term care expenses, but if care is not needed, the heirs receive the life insurance death benefit or the cash value from the annuity.

You Can Cover Long Term Care with 'Combo' Products

Terry Savage discusses asset-based Long Term Care insurance  in this article.  While supporting the need for long term care insurance, Savage acknowledges that the product may seem too pricey for some consumers.  This article discusses Combination long term care insurance/life insurance products in this article. These products are gaining popularity for many reasons. 

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