The number one reason to sell a client a life insurance/long-term care hybrid policy is the tax-free death benefit. It removes one of the top two objections to LTC coverage – if the client doesn’t need the LTC coverage, they don’t end up with nothing to show for it. Underwriting for these policies is becoming a bit more relaxed, too – elimination periods are also shorter than many standalone LTC policies. We’re also seeing more single premium products that combine life and LTC. If any of these sound like options that work for your clients, let’s work together to get that coverage in place for them.

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Case Status

To access any life insurance case status 24/7 with real-time updates, click:

Our Life/LTC Hybrid Policy Carriers

Click here for a complete list of the life insurance carriers we work with. Bookmark the Carrier Updates section of our blog for the latest carrier marketing pieces, form updates, and more.

Our Standalone Long-Term Care Policy Carriers

Here are our most popular LTC carriers:

  • Mutual of Omaha
  • Genworth
  • Transamerica

LTC Resources

Need Help?

The options for life/LTC hybrid policies are changing – and growing – all the time. If you need help evaluating your client’s options or finding the best fit for their needs, let us know. We’re always happy to help.

  • Call us at 1-800-823-4852 and ask to speak to a brokerage director.
  • Click here to email us.

Technology, Advanced Case Design, and More - Become a Pinney Partner

We’re constantly finding ways to help agents and brokerages excel. Our agency provides complete support for life, annuity, long-term care, and disability business with a focus on methods, strategies, and concepts that grow revenue. We’d love to have you join our team.

  • Click here to download our media kit with executive bios, services, contact info, and more.
  • Meet Insureio, our proprietary customer relationship management (CRM) software. It's the first and only CRM designed by life insurance agents for life insurance agents.