Thomas Mead
Expert
Does anyone know of a solid carrier for a stand-alone LCT policy for a relatively healthy 87-year-old female? Her husband has been on Aricept for a couple of years so he is not eligible. If a hybrid annuity with LTC benefits is the best fit what carrier would have a period-certain annuity with an LTC rider that is partnership compliant? I need to do LTC planning for her and work on Medicaid planning for him. I have an ederlaw attorney in my practice so we can get him taken care of when the time comes without leaving her broke but I want to find the most efficient products for her.