The New Wave in LTC Hybrids

New rules governing hybrid long-term-care products go into effect on Jan. 1 and may spawn a new generation of hybrids. Avisors need to think about when and why to consider them for clients.

Sales of long-term-care insurance (LTCI) have struggled, often because clients perceive them as risky. You pay a lot in premiums, which reward you handsomely if you later need extensive care, but which disappear if you die before needing them or never qualify for them...

Bank Investment Consultant: The New Wave in LTC Hybrids