Life Health Pro, “Embrace Asset-Based Long-Term Care Products,” 2013-11-05

ClarkeH6_TheClarkeSchool_IndNews_Embrace_Asset_Based_LTC_Products _20131105Rate hikes and facts make long-term care products more viable than ever.
While rate hikes in standard policies concern consumers, hybrids, riders and facts are driving the consumer to long-term care products.
A great LTC feature is death benefit paid to heirs if the policy is not used or exhausted in entirety. Qualified assets in a portfolio can be used while maintaining their tax-favored status.