My grandfather was lucky. He had a pension.
What is your plan?
Will you be taken care of? Will you decide who takes care of you?
Be smart, plan now.
Long Term Care Re-Invented
This is this not your fathers Long Term Care policy
The KAB Hybrid Protection Plan
Life insurance with asset based LTC benefits
Single or Two People
Can be purchased for a single person or two people with benefits available for both.
Stays Consistent
Premiums can never increase and your benefits cannot change.
Death Benefits
Because it is built on life insurance, your policy’s death benefit goes to your beneficiaries if you don’t use it for long-term care.
Life Benefits
Get guaranteed lifetime benefits.
Covered Care
Receive care in your home, adult day care facilities or stay at a nursing home or assisted living facility. Covered care also includes qualifying hospice care, respite care, caregiver training and supportive equipment.
Premium Return
100% Return of Premium Option.
Use existing assets to protect you and your loved ones from the expenses and emotional strain, that can arise when a family faces the need for long-term care.
Premium options
Use existing assets, such as a CD, savings or IRA, as a one-time-only premium payment, or choose guaranteed annual premiums that can never increase
Asset protection
Get the security of a life insurance policy that grows at a minimum, tax-deferred interest rate
Tax-free benefits
Pay no income tax if you use your life insurance for qualifying long-term care expenses — should you need it
Leave a legacy
If you never use the long-term care benefit or if you only use a portion of it, your named beneficiaries will receive the death benefit — income tax-free
I’m your Tampa Bay Long Term Care expert. You have options. This isn’t something that you should trust to an online search. Talk to a local expert.