​Forging connections, nurturing relationships, and building trust are all important in our industry. Sometimes, it starts with a light-hearted round of golf, a dinner, or a networking event – I think most would agree that these periodic outings give us a chance to unwind with peers amid life’s numerous pressures. But often, these relationships are built over time, during work hours, as we all pull together to help a claimant navigate a hugely impactful life event. How do we know for sure that we are connecting and making a difference in people’s lives? Thank-you notes – many are handwritten, and all are heartfelt. They are the highlight of our day.

​In 2022, combination (combo) products were the fastest-growing segment in the life insurance market, generating $4.3 billion (22%) of the industry’s total premiums. A versatile linked-benefit approach, combo products marry life and long-term care (LTC) insurance to create significant value for carriers and their policyholders.

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.