Combination life and long term care products, also known as hybrids, are filling a real need for alternatives to stand alone long term care products. Some of those features include a streamlined underwriting process, flexible premium periods and rates and benefits that are guaranteed.
Lincoln has created a chart comparing MoneyGuard features to other similar types of policies. Check it out here.
Lincoln also provides their client approved pre-qualification guidelines. This tool will help you determine if your client is a good candidate for this type of product. Of course, we are here to help as well. You can contact Liz Casper at firstname.lastname@example.org or 585-273-8530 ext 3003 for more information.