Building wealth is only part of the plan. Protecting your income and the people who depend on you helps safeguard the life you’ve worked to create.

Insurance should support the future you are working toward, not compete with it. We look at your income, family responsibilities, existing coverage, assets, retirement strategy and budget before determining what type of protection may make sense. 

A hybrid long-term care solution combines life insurance with benefits that may be available to help pay for qualifying long-term care needs. Depending on the policy, benefits may be available for care at home, in assisted living, or in a skilled nursing facility. If long-term care benefits are never used, the policy may still provide a death benefit to your beneficiaries.

Hybrid coverage can offer a more flexible way to prepare for future care needs while still preserving value for their family.

Depending on the policy, features may include:

• A life insurance death benefit
• Access to benefits for qualifying long-term care expenses including advancing the death benefit
• Benefits designed to help offset the cost of care at home or in a facility
• The ability to incorporate long-term care planning into a broader estate or retirement strategy

If the insured experiences a qualifying long-term care event and meets the policy’s eligibility requirements, a portion of the policy’s available benefits may be accessed to help pay for care. This may include advancing a portion of the death benefit while the insured is still living to pay for long-term care needs.

The amount available, how benefits are paid, how long they may last, and how using those benefits affects the remaining death benefit all depend on the specific policy.

If long-term care benefits are never needed, or are only partially used, the policy may still provide a death benefit to beneficiaries, subject to the terms of the contract.

Hybrid long-term care coverage may be worth exploring if you:

• Want to plan for future care costs
• Prefer a policy that may provide a benefit even if care is never needed
• Want to rely less on savings to pay for care
• Want to help reduce the financial strain on your family if you need extended care

Courtnie specializes in this type of planning. Through her affiliation with Good Life Insurance Associates, she has access to a broad range of insurance carriers, case designers and product solutions that can be evaluated based on the strategy being considered.

Her experience goes beyond comparing policies. Courtnie has worked through the full process. From case design and carrier selection to implementation and, when needed, helping clients navigate actual policy benefits. 

Courtnie is a licensed insurance agent and, as an independent agent, is able to work with a variety of insurance carriers to help identify solutions that fit each client’s needs and broader financial strategy.

The goal is not simply to buy more insurance. It is to find the right amount and type of protection without creating a premium that overwhelms the rest of your financial plan. By having access to multiple carriers and product types, Courtnie can compare options and be creative in designing a strategy around your family, your budget and what you are trying to protect.

OUR goal

The goal is not simply to pay for care. It is to help preserve flexibility around where you receive care, how it is funded, and how much of your retirement assets may need to be used if a long-term care need arises. Protect the retirement and legacy you planned for.

This webpage contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance agent. This article is intended to assist in educating you about insurance generally and not to provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. Guarantees are based on the claims paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional. You may also visit your state’s insurance department for more information.​