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When Should You Buy a Life / LTC Hybrid Policy?

by Scott A. Olson, CLTC®

When Should You Buy a Life / LTC Hybrid Policy? Instead of using traditional long-term care insurance policies, a LTC hybrid policy offers more opportunities to those who have a bad health history – as many who do are more likely to be declined. There are other...

3 Types of Life Insurance Hybrids That Pays for Long-Term Care

by Scott A. Olson, CLTC®

3 Types of Life Insurance Hybrids That Pays for Long-Term Care What are the different types of life insurance hybrids? There are hundreds of policies that include some kind of rider that can help pay for “long-term care” expenses. These might be great for life...

Pros and Cons of Buying Hybrid Long-Term Care Insurance

by Scott A. Olson, CLTC®

4 Non-Negotiable Features to Look For in a Hybrid Life/LTC Policy (And 3 Traps to Avoid)

by Scott A. Olson, CLTC®

Five Reasons to Buy Long-Term Care Insurance Instead of a “Hybrid”

by Scott A. Olson, CLTC®

Five Reasons to Buy Long-Term Care Insurance Instead of a “Hybrid” If you’re healthy enough to qualify for long-term care insurance, you’re better off buying a long-term care insurance policy rather than a hybrid for five reasons: More benefits for each dollar of...

Many “hybrids” have pitfalls that no one is talking about!

by Scott A. Olson, CLTC®

Many “hybrids” have pitfalls that no one is talking about! Excerpt from Scott’s newest book: “The Simple LTC Solution: How to Protect Your Life’s Savings with a Long-Term Care Partnership Program” Hybrids are “OR” “OR” “OR”, not “AND” “AND” “AND” Hybrid...
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  • Is Long-Term Care Insurance Harder to Buy? Why Clark Howard Got It Wrong!
  • Can You Use an HSA to Self-Insure for Long-Term Care? (Why the Math Fails)
  • How to Fund Long-Term Care Tax-Free: The Power of Life and Annuity LTC Hybrids
  • Can Putting Your House in an Irrevocable Trust for Medicaid Backfire?
  • self-fund long-term careIs Self-Funding Long-Term Care Really Cheaper Than Insurance?
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