Combination (“combo”) products that provide a flexible mix of long-term care (LTC) and life insurance coverage are past the proof stage. The need for sensible long-term care solutions has never been greater, and consumers like the linked-benefit appeal of combo products, placing them among the fastest-growing segment of the market with premiums of $4.3 billion in 2022.[1] 

​Working in life insurance claims, we can all agree that there is one universal truth:  We exist to fulfill our promises to pay out according to our customers’ wishes in the form of benefits as quickly as possible.