We feature Life/LTC linked benefit, hybrid plans from A+(Superior) rated carriers. Linked benefit, hybrid Life/LTC plans have tremendous advantage over stand-alone LTC plans. With linked benefit plans, hybrid plans either the policy owner or the beneficiary will receive (1) leveraged LTC benefits, (2) a higher, leveraged death benefit amount, or (3) a guaranteed surrender value. That's not true with many stand-alone LTC plans into which a policy owner can pay a lot of premiums, and unless LTC benefits are paid out, never receive anything in return.​ Our products feature:

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• Rates and benefits guaranteed, locked-in from day-one.

• We can put two lives (spouses or partners) on the same policy.

• Return of Premium options are available.

• Premium payment options from single pay, to short pay, to ongoing level pay are available.

• Benefits period options from 25 months to unlimited/lifetime.

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Use the following to help educate your clients:

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• 10 Reasons Why you should consider LTC coverage

• Use this consumer video from Lincoln Financial to help get the LTC conversation started

• Use the Cost of Care map to personalize LTC expenses with your clients: Use sponsor code "lincoln"

• Share The Four Myths of LTC with your clients

• A consumer brainshark from OneAmerica entitled, "What Are The Odds"

• Request A Quote - we'll see which carrier and product is the best for your client

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