Originally Posted by pfg1
I sold one recently, my client was super happy. For her, the life hybrid was a perfect fit.
Congrats on your sale LTC
...that is a big one. Was it life hybrid or annuity hybrid? I'm guessing multiple policies? Great job regardless.
Yes, multiple policies: 170, 179, 150, 100, 100, 92, 89, 50.
This is evidence as to where the marketplace is today.
I like hybrids.
I like traditional LTC
I like term life
I like disability insurance
There are many good policy choices for different needs and life stages.
Just have to help people obtain what they want and need.
Originally Posted by bluemarlin08
What are advantages of life/ltc
Hybrid policies are essentially long term care insurance policies with fixed costs and Return of Premium.
some people (many) are attracted to these 2 attributes.
The hybrid life/ltc
policies (Lincoln, State Life, Pac Life, Nationwide) are generally much better values than the annuity based policies (Forethought/Global Atlantic, et al).