Understanding Hybrid Long-Term Care Insurance
Traditional long-term care insurance can feel like a gamble—if you don’t use it, you lose it. Hybrid long-term care insurance solves that problem by combining long-term care coverage with either a life insurance policy or an annuity. That way, your premiums are never wasted.
With a hybrid policy, if you don’t end up needing long-term care, your beneficiaries still receive a death benefit. Some policies also include return-of-premium features, tax advantages, and flexible payout options for couples.
At Diversified Insurance Brokers, we help clients compare traditional and hybrid LTC options from over 75 top-rated carriers. Whether you want income protection, asset preservation, or peace of mind for your family, we’ll guide you to the policy that makes the most sense for your situation.
👉 Visit our long-term care insurance page here
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Ready to explore insurance and annuity options that offer guaranteed income, principal protection, disability, life insurance, Social Security and Medicare reviews, and long-term financial growth? Let the expert advisors at Diversified Insurance Brokers help you find the right strategy for your retirement goals.
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About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
