Long-Term Care Insurance Now

IUL vs. True Hybrid LTC: Head-to-Head $150,000 Case Study (Gene's Story) Part 2

Scott A. Olson

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What happens when you ask a financial generalist for long-term care insurance? In Part 2 of this head-to-head comparison, Scott A. Olson contrasts an Indexed Universal Life (IUL) policy sold to a 54-year-old with a true, asset-based long-term care hybrid policy for the exact same $15,000 annual budget. 

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Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.

Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.