Linked Benefits Life & Annuities

Linked Benefits Life & Annuities

Policies that also provide for Long Term Care benefits

Combining LTC coverage with Life Insurance and/or Growth and Lifetime Income

Linked benefits policies use life policies or annuities, and offer a form of Long Term Care coverage as well.  If the owner never needs LTC benefits, the policy acts as an annuity or life insurance policy.  However, if the owner needs LTC benefits, the policy begins to issue payments to cover the needed care—at a predetermined benefit level and maximum monthly benefit.  These types of policies are usually easier to qualify for than traditional LTC plans, and do not require ongoing premiums to be paid to fund the policy like traditional LTC plans.

We can help with selection and design of the perfect linked benefit plan for any client needs. Just give us a call or send us an email.