Disclosures

Who We Are

Hybrid Long Term Care Plans is not an insurance agency. We are a network of independent, individually licensed insurance agents located across the country. Each agent is independently licensed in their respective state(s) and is not employed by, affiliated with, or captive to any single insurance carrier. Our agents work with multiple insurance companies to help consumers find hybrid long term care insurance solutions that may fit their needs.

Licensing

Each agent in our network holds their own individual insurance license in the state(s) where they operate. Licensing and product availability vary by state. Not all products or features described on this website are available in every state. Please consult with a licensed professional in your state for specific product availability and details.

No Guarantee of Coverage

The information provided on this website is for educational and informational purposes only. Submitting a quote request or inquiry does not guarantee coverage or approval. All insurance applications are subject to underwriting review by the issuing carrier. Coverage, premiums, and benefits are determined by the insurance company based on individual circumstances including age, health status, and state of residence.

Product Information

Product descriptions, features, benefits, and pricing information on this website are believed to be accurate at the time of publication but are subject to change without notice. Insurance carriers may modify, discontinue, or update their products at any time. Always refer to the official policy documents and illustration provided by the carrier for complete and current product details.

Compensation Disclosure

Individual agents in our network may receive commissions or other compensation from insurance carriers when a policy is purchased. This compensation does not increase the cost of the policy to the consumer. Our agents' recommendations are based on the needs of their clients, and we are committed to providing objective comparisons of available products.

Not Tax or Legal Advice

The information on this website regarding tax benefits, deductions, or legal implications of long term care insurance is provided for general informational purposes only and should not be construed as tax or legal advice. Tax laws and regulations are complex and subject to change. Please consult with a qualified tax advisor or attorney regarding your specific situation.

Third-Party Links

This website may contain links to third-party websites. Hybrid Long Term Care Plans is not responsible for the content, accuracy, or practices of any third-party sites. The inclusion of a link does not imply endorsement of the linked site or its products and services.

Consumer Notices

Long term care insurance policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued. Benefits, costs, eligibility requirements, and elimination periods vary by product and carrier. A complete description of coverage is found only in the policy itself. For costs and full details of coverage, contact a licensed insurance professional.