What is a "No Net Cost" Long Term Care Insurance?
Hybrid Long Term Care Insurance plans combines traditional long term care insurance (LTCI) with life insurance. The hybrid long term care insurance plans will pay for home health care, assisted living, adult day care and nursing homes. What if long term care is never needed? If so, a life insurance benefit embedded in the policy will be paid to the family at death. This life insurance policy is always at least equal to the premiums paid in or more.
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