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Recommended Asset-Based LTC Carriers

Top Asset-Based LTC carriers used by Gen3 agents.

When advising clients on hybrid (asset-based) long-term care (LTC) products, selecting reliable and reputable carriers is essential to ensure quality coverage and long-term financial security. Below are some of the top asset-based LTC carriers that Gen3 has great relationships with, and recommends depending on client profile and needs: 

1. OneAmerica

  • Flagship Product: Care Solutions product suite (whole life, fixed annuity, indexed annuity)
    • Offers flexible options with lifetime LTC benefits and guaranteed premiums.
    • Allows clients to select policies that suit their needs, ensuring long-term protection.
    • Unique packaged solution for qualified money.

2. Nationwide

  • Flagship Product: CareMatters (universal life)
    • A life insurance-based hybrid policy with LTC benefits.
    • Known for providing cash indemnity payments, which give policyholders the flexibility to use their benefits as needed, without restrictions on how or where the care is provided.
    • Unique multi-insured benefit pool option can provide coverage for multiple insureds.

3. Lincoln Financial Group

  • Flagship Product: MoneyGuard (universal life)
    • Combines universal life insurance with long-term care coverage.
    • Features guaranteed premiums, tax-free death benefits, and flexible payment options that appeal to a wide range of clients.

4. Securian Financial

  • Flagship Product: SecureCare (whole life)
    • A hybrid policy that includes both long-term care coverage and life insurance benefits.
    • Offers cash indemnity benefits, allowing policyholders the freedom to manage their care with no restrictions on choosing care providers.

5. EquiTrust

  • Flagship Product: Bridge (indexed annuity)
    • Focuses on both asset growth and long-term care benefits.
    • Known for providing tax advantages and flexibility in combining annuities with LTC coverage, appealing to clients looking for both financial growth and protection against LTC costs.
    • Guaranteed issue option for unhealthy clients.

6. Global Atlantic

  • Flagship Product: ForeCare (fixed annuity)
    • An annuity-based LTC solution that long-term care protection.
    • Allows clients to use accumulated annuity value for long-term care expenses, with tax-advantaged features that make it a compelling option for clients seeking to maximize their financial security in retirement.

Why These Carriers?

These carriers are highly regarded for addressing the common "use it or lose it" concern associated with traditional long-term care insurance policies. By offering hybrid products, they provide financial flexibility, including tax advantages, asset growth, and the security of knowing that clients' investments are protected, regardless of whether long-term care is eventually needed.

Each carrier presents unique solutions that help align LTC coverage with broader financial goals, providing peace of mind for both you and your clients.