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Reply to Hybrid Carriers Other Than One America     
Old 06-17-2017, 03:02 PM   #1
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Hybrid Carriers Other Than One America Hybrid Carriers Other Than One America
What carriers, other than One America, offer a LTC rider that lasts a lifetime? Which companies do those of you that offer this lean toward?
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Old 06-17-2017, 04:00 PM   #2
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Hybrid Carriers Other Than One America Re: Hybrid Carriers Other Than One America
Originally Posted by bluemarlin08 View Post
What carriers, other than One America, offer a LTC rider that lasts a lifetime? Which companies do those of you that offer this lean toward?
none, nada, zilch, zero.
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Old 06-17-2017, 08:23 PM   #3
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Hybrid Carriers Other Than One America Re: Hybrid Carriers Other Than One America
Originally Posted by bluemarlin08 View Post
What carriers, other than One America, offer a LTC rider that lasts a lifetime? Which companies do those of you that offer this lean toward?
Lifetime benefits are offered by OneAmerica, and traditional LTC underwriters NGL and JH (FLTCIP).
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Old 06-20-2017, 06:11 PM   #4
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Hybrid Carriers Other Than One America Re: Hybrid Carriers Other Than One America
I saw that Stratecision was trying to build a hybrid comparison product...presumably as an additional product, like adding STM to the base LTC option.........but with the variations in the products....especially One America, I am not convinced how I would use it.

If someone wants an expensive indemnity plan, it is Nationwide....if someone wants joint, lifetime benefits, table rated policies.......then StateLife. Else, it mainly boils down to MG versus PacLife.

Seems that the fewer options out there....the less I need comparison software.....and it sure is a dwindling market.

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Old 06-25-2017, 04:01 PM   #5
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Hybrid Carriers Other Than One America Re: Hybrid Carriers Other Than One America
Originally Posted by yankee466 View Post
I saw that Stratecision was trying to build a hybrid comparison product...presumably as an additional product, like adding STM to the base LTC option.........but with the variations in the products....especially One America, I am not convinced how I would use it.

Seems that the fewer options out there....the less I need comparison software.....and it sure is a dwindling market.

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I guess it saves from having to fire up multiple quoting software programs. Even though comparison is difficult in the hybrid market.

Depends on the price of course.
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Old Yesterday, 08:05 AM   #6
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Hybrid Carriers Other Than One America Re: Hybrid Carriers Other Than One America
Originally Posted by yankee466 View Post
I saw that Stratecision was trying to build a hybrid comparison product...presumably as an additional product, like adding STM to the base LTC option.........but with the variations in the products....especially One America, I am not convinced how I would use it.

If someone wants an expensive indemnity plan, it is Nationwide....if someone wants joint, lifetime benefits, table rated policies.......then StateLife. Else, it mainly boils down to MG versus PacLife.

Seems that the fewer options out there....the less I need comparison software.....and it sure is a dwindling market.

Comments?
Completely agree. And I reviewed the Stratecision hybrid software last week. It just does not translate well to any of these policies. I will not subscribe to it.
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