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Hybrid life insurance


Could a serious healthcare event derail your retirement plan and deplete your assets?


Insurance solutions that provide a long-term care benefit can help you build contingencies into your retirement plan. We work to understand your healthcare concerns, including your current financial situation, your comfort with risk and your need for flexibility, so we can help you choose a solution that helps to meet your needs.


Protect your assets from a serious healthcare event requiring long-term care

A hybrid life insurance policy with a long-term care benefit rider provides a flexible way to plan for long-term healthcare. It offers income-tax-free reimbursements for qualified long-term care expenses, an income-tax-free death benefit if no long-term care is needed and a return of premium rider (with certain restrictions) if you change your mind later.


Long-Term Care Insurance Checklist

Pitfalls in Retirement

Healthcare Costs in Retirement Brochure


All guarantees and benefits of an insurance policy are backed by the claims-paying ability of the issuing insurance company. They are not backed by Merrill Lynch or its affiliates, nor do Merrill Lynch or its affiliates make any representations or guarantees regarding the claims-paying ability of the issuing insurance company.   

Long-term care insurance coverage contains benefits, exclusions, limitations, eligibility requirements and specific terms and conditions under which the insurance coverage may be continued in force or discontinued. Not all insurance policies and types of coverage may be available in your state.  


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