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It’s a great solution, probably the best in most situations and really the only one I offer my clients. I believe in it so much, my wife and I own policies.
Yup
Reach out to the wholesale partner. Saying if it’s the best for long term care is only a part of the picture. I offer it alongside traditional ltc and riders on policies. They have different features and costs
I like it because if someone has a large cash reserve , they can make a lump sum Payment and get great coverage. Call your local rep and run hypo. I just closed on one last week , 62 year old male with a 52k premium would get 500 of LTC at the age of 85, 600k at the age of 90. It also a death benefit if they die and he surrender the policy get 80% of his premium back if he wants to do that.
I think it's good for younger clients, and definitely single. The Pac Life and Nationwide are good options to look at too.
For a couple I would definitely look at OneAmerica and compare
reimbursement. But that's why I like Pac Life too, you get to choose reimbursement or indemnity at time of claim
Nationwide CareMatters is the best. Is “Money Guard” reimbursements or indemnity?
Reimbursement
I will have to look into Pac Life again?