If you’ve ever tried walking employees through their benefits options during a busy enrollment season, you already know the truth: most people genuinely want to make wise decisions—they just don’t feel confident doing it. They’re overwhelmed by terminology, unsure of costs, and often don’t know how to compare one option to another.
This confusion becomes especially clear when the conversation turns to long-term care planning. Employees recognize that future health needs are a real possibility, but they’re unsure how to prepare for them. And that uncertainty is exactly why Life Insurance with Long-Term Care (LTC) benefits has become one of the most valuable voluntary solutions available today.
Recent insights from the Transamerica Extended Care Report reinforce what we see every day at The VB Shop: employees want protection, they want clarity, and benefits that feel practical, not complicated. And Life with LTC meets that need in a way few other benefits can.
Let’s break down what the research reveals and how brokers can use these insights to guide employees toward more confident, future-ready decisions.
Employees Want to Plan Ahead—They Just Need a Starting Point
One of the most striking findings from the research is that 91% of employees agree they should be planning for their future needs. They’re not opposed to the idea of long-term care; they simply don’t know where to begin.
This is where Life with LTC becomes a game-changer.
Hybrid policies take a complex concept and simplify it:
One benefit. One policy. Protection for now and for later.
When employees understand that a single solution can help protect their families financially and support potential care needs down the road, planning suddenly feels attainable rather than intimidating.
And this is where brokers shine, translating complexity into clarity and helping employees connect the dots between their concerns and available solutions.
Personal Experience Shapes Why LTC Matters
The research also reveals that many employees have already helped a parent, spouse, or loved one navigate difficult health or financial decisions. They’ve seen firsthand how stressful and costly extended care can be.
These experiences shift perspectives. Employees who have been caregivers or have watched someone else struggle don’t need a product pitch. They need a benefit that recognizes the reality of aging and caregiving.
Life Insurance with LTC resonates because it aligns with what people already know:
- Care needs can arise unexpectedly.
- Planning early matters.
- And no one wants to leave their loved ones with tough decisions and financial strain.
Your role as a broker is to help make that connection explicit, showing how Life with LTC supports the future employees envision for themselves and their families.
Cost Is the Top Concern, and Life with LTC Brings Clarity
Cost remains the number-one question employees ask when thinking about future care planning. And for good reason. Many don’t know what long-term services cost, how they would pay for them, or whether they’ll have enough set aside when the time comes.
Hybrid life + LTC programs help replace uncertainty with reassurance. They offer:
- Predictable, payroll-deducted premiums
- Flexible benefit amounts
- Long-term protection employees can tailor to their budget
Instead of guessing what future care might cost, employees can put a solution in place that supports their financial well-being without overwhelming their monthly expenses.
At The VB Shop, we help brokers talk about cost in a way that’s human, simple, and empowering, so employees walk away feeling informed rather than intimidated.
Employees Know What They Want—They Just Haven’t Put It Into a Plan
The research shows that employees have clear preferences about the type of support they want in the future. Some want to maintain their independence. Others envision relying on family or certain services. But most haven’t created a plan that aligns with those preferences.
Life with LTC bridges that gap beautifully.
It allows employees to:
- Build a safety net around the future they want
- Personalize their protection
- Make choices today that reflect their long-term goals
When brokers help employees understand how these hybrid benefits align with their values and lifestyles, participation increases, along with trust and engagement.
The Real Barrier Isn’t Interest, It’s Information
Across every insight from the report, one theme is impossible to ignore:
Employees aren’t confused because they don’t care. They’re confused because no one has explained their options clearly.
And clarity is precisely what The VB Shop helps brokers deliver.
We support you with:
- Simple, approachable education tools
- Custom benefit communications
- Hands-on carrier guidance
- Tailored enrollment solutions
- Year-round support for you and your clients
When employees understand their benefits, they make better decisions. When brokers have the right tools, they deliver exceptional service. And when employers feel supported, everyone wins.
What This Means for You
Employees are aware, concerned, and ready to make thoughtful choices—they just need a guide. And Life Insurance with Long-Term Care is one of the most meaningful solutions you can help them understand and embrace.
You don’t have to build that strategy alone.
The VB Shop is here to partner with you every step of the way, helping you bring clarity, confidence, and compassion to every conversation about long-term care planning.
Because when employees feel empowered—not confused—they’re able to protect what matters most.