For agents, addressing long-term care doesn’t mean selling a policy. It means guiding clients through a conversation they’ve likely never had before. It means reframing the discussion from fear and avoidance to control and preparedness.
The financial strain of long-term care (LTC) can be significant, but the option of a hybrid LTC and life policy combination opens up another avenue for agents to present to their clients.
Educating consumers about the benefits of an LTC plan—whether that plan is to rely on government-funded care, buy insurance or cover LTC expenses with personal assets—is key.
Sales rose to $223 billion in the first half of 2025, 3% above the first half of 2024 and beating the record previously set in 2024.
