raygunn
New Member
Has anyone worked with this product? It appears as if it could be a reasonable alternative to LTC insurance. Looking for opinions on the subject.
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Has anyone worked with this product? It appears as if it could be a reasonable alternative to LTC insurance. Looking for opinions on the subject.
I have a married client who wants LTC protection, but is not eager to pay for insurance he/she may not use. They have additional monies that they want to leave for heirs and protect against risk of nursing costs. They were not thrilled with the potential return on this product but liked the 3 to 1 benefit for LTC.
Great suggestion. I will look into ROP policy before pursuing Annuicare any further. Approximately what percentage more premium will they pay for the ROP rider?
It does cost more, but a good compromise is graded return of premium, which is not that much more expensive.
I have a married client who wants LTC protection, but is not eager to pay for insurance he/she may not use. They have additional monies that they want to leave for heirs and protect against risk of nursing costs. They were not thrilled with the potential return on this product but liked the 3 to 1 benefit for LTC.