Life/LTCi & Annuity/LTCi: The Hybrids Are Here!
Presented by: Jerry Skapyak, VP, Advisor Services

• PPA changed the rules January 1, 2010
• Re-balance client assets to provide LTCi without removing assets from their portfolio
• Eliminate client concerns about paying for something they may never use
• If they don’t need LTC, they still have cash value or death benefit
• Life insurance and annuities can now do double duty
• Take gains from non-qualified annuity to pay for LTC