Opinion: LTC annuities can be an alternative to asset accumulation

01/23/2013 | National Underwriter Life & Health

Combo or long-term-care annuities that offer the protection of long-term-care benefits rather than traditional asset accumulation can be useful investments amid continuing low interest rates, writes Brad Tisdale of Mission Wealth Management. The products typically are funded not with ongoing premiums but a single premium paid by reallocating other investments, Tisdale writes. And if a client never needs long-term care, beneficiaries can inherit the cash value of an annuity, he writes.

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