Here’s the truth your clients need to hear: Health insurance and Medicare do not provide meaningful long-term care coverage. At best, Medicare covers up to 100 days of care in a skilled nursing facility—and only under specific circumstances. Medicaid? That’s only an option after spending down most of your assets.
These limitations leave a serious protection gap, especially for employees who assume their existing benefits will cover extended care needs.
That’s where Life Insurance with Long-Term Care (LTC) steps in.
Hybrid life policies with LTC riders provide:
- Dual protection through life insurance and long-term care coverage
- Guaranteed benefits, whether used for care or passed to beneficiaries
- Portability and affordability—ideal for a diverse, mobile workforce
- Cash value accumulation for emergency access
With 70% of people over 65 expected to need long-term care (U.S. Dept. of Health & Human Services), planning isn’t optional—it’s essential.
Why This Matters for Brokers
By helping clients understand where Medicare and health insurance fall short, you open the door to a more thoughtful, more comprehensive benefits conversation. Hybrid Life with LTC isn’t just another policy—it’s the missing link in financial wellness and long-term planning.
Want to learn how to start the conversation with your clients?
Visit TheVBShop.com to explore your options.