Long-Term Care and funding related future expenses is one of the most crucial planning opportunities for American workers yet it is often one of the most misunderstood and least discussed among clients and their financial advisors due to the difficulty of accepting the probably need for care and because of the history of premium increases experienced by traditional Long-Term Care insurance (LTCi) policyholders.
At LFIS we have been on the leading edge of distributing asset-based Long-Term Care insurance products and believe these are most often the best solutions for funding LTCi expenses. Among these solutions, we offer an advisor can offer provide protection and funding that offers:
- Fixed and indexed annuities with LTC riders
- Guaranteed Universal Life with LTC riders
- Indexed Universal Life with accelerated benefits
- Survivorship Life Insurance with LTC benefits for each spouse
- Guaranteed lifetime benefits for spouses