Asset Protection using Hybrid Long-Term Care Insurance Products
A new generation of asset protection alternatives to long-term care insurance are becoming increasingly popular for wealth transfer and long-term care planning. Unlike traditional long-term care insurance, premiums are guaranteed, they can never be increased. Perhaps most importantly, if long-term care benefits are never used premium dollars are not lost. Premium contributions can always be returned to the insured at anytime, or paid to beneficiaries in the form of an income tax exempt death benefit if the long-term care insurance component is not utilized.
RetirementGuard is an independent broker and consultant. We work with individuals, and some of the most prestigious not-for profit organizations in the United States. Without obligation we can provide a free overview of options available to you.
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