Long Term Care Insurance Expert | Honey Leveen | Houston, TX

Helping you make informed LTC decisions

Follow Us on FacebookFollow Us on TwitterFollow Us on LinkedInFollow Us on YouTubeFollow Us on E-mailFollow Us on Agent Review
 
Request a Free, No-Obligation LTCi Quote
  • HOME
  • ABOUT
  • WHY LTCi
  • LTCi FAQs
  • PROCESS
  • TESTIMONIALS
  • ARTICLES
  • MEDIA
  • RESOURCES
  • BLOG
  • VLOG

Is Traditional LTCi or Hybrid LTCi best for you?

September 12, 2014 by Honey Leveen Leave a Comment

Traditional Or Hybrid LTCiHere’s a September, 2014 Morningstar article by Christine Benz describing the main differences between traditional long-term care insurance (LTCi) and the newer hybrid (also known as “combo”) LTC products. Hybrid LTC products are life or annuity based; traditional LTCi is a type of health insurance.

This article is good because it is written in “lay” language.

I have more articles that describe the differences between traditional versus hybrid LTC approaches. Email me and I’ll send additional articles to you.

Although I’ve been working primarily with traditional LTCi for the past 24 years, before embarking on this career, I spent a couple of years selling life, health and disability insurance. I still know how to explain complicated aspects of life and annuity-based products adeptly and simply.

There are pluses and minuses to each approach. I like to show both approaches and don’t favor either. I just want to see more people take the high risk, high cost odds of needing long-term care more seriously, and plan accordingly.

In the Big Picture, each approach is good. Just take action and plan for needing long-term care, now!

Here’s an old, rhetorical question that’s been around well before I started my career. Here it is: what’s the best insurance policy? Answer: the one that’s in force when you need it!

Filed Under: Denial, Helpful Information About LTC, I'll Just Self-Insure, Information About LTC Tagged With: annuity-based LTC, Christine Benz, combo LTCi, hybrid LTCi, life-based LTC, long-term care insurannce, LTC Consciousness Tour, LTC Insurance, Morningstar

Contact Me

Phone: 713-988-4671
Fax: 281-829-7177

Email: honey@honeyleveen.com

Honey Leveen, LUTCF, CLTC, LTCP can help you compare and obtain long-term care insurance (LTCi) in the Houston, Texas, area, serving residents of Houston and nearby communities such as Bellaire, West
University, Galleria, the Heights, Sugar Land, Stafford, Missouri City, Richmond/Rosenberg, Kingwood, Humble, Pasadena, Baytown, Alvin, Pearland, Angleton, Lake Jackson, Clear Lake, Friendswood, Galveston, Spring, Tomball, Cypress, Conroe, The Woodlands, Katy.

Harris County | Fort Bend County | Brazoria County | Galveston County and nationwide.

Hear From My Clients

From My Blog

Knowledge Is Power Concept

Aging In Uncharted Territory

You probably don't need me to tell you: We are living in a brand new era. And there's no road map, … [Read More...]

What’s a CCRC?

They've been around for over a century, starting first in Europe, mostly connected to religious … [Read More...]

Testimonials

Open Quotation Mark"Honey - Whenever I need a clarification regarding our “LTC” you are “Johnny on the spot” responding in a very prompt manner, reassuring me, informing me in a concise way, patient with me as I massage the understanding in my own words. Your knowledge is current and expressed with confidence, offered in your conscientious and upbeat personality. Quotation Mark ClosedIt is a pleasure to work with you. Thank you for your expertise." ~ Nancy Damon, Houston, TX
Read more
Follow Us on FacebookFollow Us on TwitterFollow Us on LinkedInFollow Us on YouTubeFollow Us on E-mailFollow Us on Agent Review

Thanks for visiting my site! I like hearing from you!

Here’s how to reach me:

Honey Leveen, LUTCF, CLTC, LTCP
“The Queen, by Self-Proclamation, of Long-Term Care Insurance (LTCi)”
8402 Concho Street
Houston, TX 77036

Phone: 713-988-4671
Fax: 281-829-7177

Email: honey@honeyleveen.com

©Honey Leveen, Queen of Long-Term Care Insurance 2011-2015 ~ All Rights Reserved ~ Customization of Genesis Framework by Weborization