Traditional LTC or Hybrid

[ltcadviser]

When you look at LTC riders on WL policies -- any concern(s) about the "cost" of the rider(s) and/or the "drag" on policy performance? Thanks.

I don’t look at nor write the hybrid policies geared towards maximizing life insurance benefits. I am maximizing the LTC coverage for my clients so I am not using the WL policies with the add on LTC riders whatsoever.

 

[Lloyds of Lubbock]

When we bought my wife's policy it was based on an l121 chassis.
The worst performing product.
The cost of the rider can double.
There is no drag on performance.
The policy was bought to provide an ltc payment.it is doing exactly what it is supposed to.
Any rider drags cash value.

 

[Lloyds of Lubbock]

Any rider, that has an out of pocket cost