{"id":15972,"date":"2020-11-17T10:38:07","date_gmt":"2020-11-17T15:38:07","guid":{"rendered":"https:\/\/lifehappens.org\/?p=15972"},"modified":"2021-02-26T12:22:09","modified_gmt":"2021-02-26T17:22:09","slug":"10-advantages-of-hybrid-life-insurance-with-long-term-care","status":"publish","type":"post","link":"https:\/\/lifehappens.org\/blog\/10-advantages-of-hybrid-life-insurance-with-long-term-care\/","title":{"rendered":"10 Advantages of Hybrid Life Insurance with Long-Term Care"},"content":{"rendered":"\n[et_pb_section fb_built=”1″ _builder_version=”4.4.3″ locked=”off”][et_pb_row _builder_version=”4.4.3″][et_pb_column type=”4_4″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.9.0″]

You probably know about hybrid cars. But do you know about about hybrid life insurance?\u00a0<\/span><\/p>\n

This coverage combines <\/span>long-term care<\/a> and life insurance<\/a>\u00a0<\/span>into one policy. Like hybrid cars, these hybrid policies are increasingly popular. That’s because they have some unique benefits.\u00a0<\/span><\/p>\n

How It Works<\/b><\/h2>\n

Most people bought long-term care insurance as a standalone policy in years past. Today, it’s becoming more common to buy the coverage as a policy that also includes life insurance.\u00a0<\/span><\/p>\n

The long-term care portion of the policy pays for care if you develop a health condition and need care. Meanwhile, the life insurance portion gives your loved ones financial support if you were to pass away.<\/p>\n

You receive the long-term care benefit if you develop a health condition. And your loved ones get the full death benefit if you never use the long-term care benefit.\u00a0<\/p>\n

10 Advantages of a Hybrid Life Insurance Policy<\/b><\/h2>\n
    \n
  1. More complete coverage.<\/b>\u00a0A hybrid life insurance with long-term care policy lets you<\/span>\u2014<\/span>and your loved ones<\/span>\u2014<\/span>benefit from two very important coverages.<\/span><\/span><\/span><\/span><\/span><\/span>\u00a0<\/li>\n
  2. Easier to get.<\/b>\u00a0 The medical underwriting for a hybrid life insurance policy is often more relaxed than for a standalone long-term care insurance policy. In fact, some hybrid policies only have you answer a few health questions.<\/span><\/span><\/span><\/span><\/span><\/span>\u00a0<\/li>\n
  3. Flexible payment options. <\/b>There are two ways to pay for a hybrid life insurance: with a lump sum or with annual payments.<\/span><\/span><\/span><\/span><\/span><\/span>\u00a0<\/li>\n
  4. Tax savings.<\/b>\u00a0Life insurance payouts to your loved ones aren\u2019t taxed. And premiums paid for long-term term care insurance can sometimes be deducted from your state and federal taxes.<\/span><\/span><\/span><\/span>\u00a0<\/li>\n
  5. Less time and effort. It\u2019s often easier to research, buy and manage one policy than two separate policies. <\/span><\/b> <\/b><\/li>\n
  6. <\/b>Fewer premium hikes.<\/strong> Many people worry about cost. That\u2019s because standalone long-term care policy premiums could increase dramatically. Hybrid policies typically offer more pricing stability.<\/span><\/span><\/span>\u00a0<\/li>\n
  7. Possibility of a death benefit.<\/strong> Typically you forfeit the premium dollars you’ve paid for a traditional policy if you never need long-term care. With a hybrid policy, your loved ones receive the full death benefit if you never need long-term care<\/a>. Some policies even guarantee a small death benefit no matter what.<\/span><\/span><\/span>\u00a0<\/li>\n
  8. Option to lock in your premium.<\/strong> Some hybrid life insurance policies let you lock in your premium payments.<\/span><\/span><\/span>\u00a0<\/li>\n
  9. Option of a money-back guarantee.<\/strong> Some hybrid policies return the premium paid if you decide you don’t want the policy after a set time.<\/li>\n
  10. Ultimate peace of mind.<\/strong>\u00a0Hybrid life insurance coverage erases worries about potential long-term care costs<\/a> and helps ensure your family\u2019s financial future. Who doesn\u2019t need that?<\/span><\/span><\/li>\n<\/ol>\n

    Getting Coverage<\/b><\/h2>\n

    A licensed insurance professional can help you determine if a hybrid or a standalone policy is the right fit and find one that works with your life and budget\u2060. Get started today by learning about the <\/span>three main ways to get long-term care insurance<\/span><\/a>. Also check out our answers to commonly asked questions about <\/span>long-term care insurance<\/span><\/a>.\u00a0<\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"

    You probably know about hybrid cars. But do you know about about hybrid life insurance?\u00a0 This coverage combines long-term care and life insurance\u00a0into one policy. Like hybrid cars, these hybrid policies are increasingly popular. That’s because they have some unique benefits.\u00a0 How It Works Most people bought long-term care insurance as a standalone policy in […]<\/p>\n","protected":false},"author":40,"featured_media":15995,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[348,4,6],"tags":[204,15,369,224,14,61,70,117,207,65,205,342,244,20],"class_list":["post-15972","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-education","category-life-insurance","category-long-term-care-insurance","tag-cost-of-long-term-care","tag-finances","tag-financial-conversations","tag-get-help","tag-life-insurance","tag-life-insurance-advice","tag-life-insurance-agent","tag-long-term-care","tag-long-term-care-benefits","tag-long-term-care-insurance","tag-long-term-care-insurance-awareness-month","tag-peace-of-mind","tag-policy-benefits","tag-term-life-insurance"],"acf":[],"yoast_head":"\n10 Advantages of Hybrid Life Insurance with Long-Term Care – Life Happens<\/title>\n<meta name=\"description\" content=\"Hybrid life insurance with long-term care is becoming more popular. 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