Looking for ideas on a LI policy w LTC. My client is female, 66, should be std/nt... she lives in PA. I'm in VA. What are some good companies/products?
She doesn't really want to pay for a stand alone LTC policy, so I figured this might be a good option, as she could use the LTC benefits if necc... if she doesn't, then the death benefit is there for her heirs.
I'm not real familiar with the options in this area. I have looked at Lincoln's Money Guard 2, seems pretty decent. She will do a 10pay, and on the mg it stays in force to 120. I'm guessing she could do somewhere around $5k-$7k annual premium. We haven't dug too deep yet on that.
Any suggestions? Appreciate any help/ideas on this. Thanks!
She doesn't really want to pay for a stand alone LTC policy, so I figured this might be a good option, as she could use the LTC benefits if necc... if she doesn't, then the death benefit is there for her heirs.
I'm not real familiar with the options in this area. I have looked at Lincoln's Money Guard 2, seems pretty decent. She will do a 10pay, and on the mg it stays in force to 120. I'm guessing she could do somewhere around $5k-$7k annual premium. We haven't dug too deep yet on that.
Any suggestions? Appreciate any help/ideas on this. Thanks!