Annuity Linked Benefits Plans

There are an increasing number of newer, “Linked Benefit” plans available, which combine Life Insurance and , in some states, Annuities, with Long Term Care (or sometimes referred to as “Chronic Illness”) riders.

These Annuity driven policies provide additional benefits beyond helping to offset the cost of LTC expenses, to include cash values should the policyholder decide to cancel their policy or if care is not needed.  While more expensive on a per dollar basis for the pure LTC protection portion, these may help clients who may be concerned about the possibility of passing away without needing care after having paid premiums over a number of years.

Advisors Insurance Brokers (AIB) can help agents, advisors and clients determine which type of policy is the best fit for them.

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