{"type":"video","version":"1.0","html":"<iframe src=\"https://www.loom.com/embed/58652ff7573647e4814454943eeb3aea\" frameborder=\"0\" width=\"1720\" height=\"1290\" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>","height":1290,"width":1720,"provider_name":"Loom","provider_url":"https://www.loom.com","thumbnail_height":1290,"thumbnail_width":1720,"thumbnail_url":"https://cdn.loom.com/sessions/thumbnails/58652ff7573647e4814454943eeb3aea-375f81ff626740c8.gif","duration":300.197,"title":"Long-Term Care Insurance: Traditional, Linked Benefit &amp; Life Riders | BackNine in 5","description":"Long-term care isn't one product. A client worried about care costs may be looking at three different structures. See how Quote & Apply compares them.\n\nIn this BackNine in 5 walkthrough:\n- Traditional LTC: care first\n- Linked benefit: care plus a legacy\n- Permanent life with an LTC or chronic illness rider: life first, living benefits second\n- Monthly benefit, inflation, benefit period, and funding period\n- Cost of care and state considerations\n- Carrier comparison and into the application\n\nThese are planning categories, not legal definitions. Triggers and contract language vary.\n\nDon't guess the benefit. Start with what care costs where the client lives and how much of that risk they want to transfer.\n\nAlready with BackNine? Send the situation and we'll compare structures with you.\n\nEducational only. Benefits, eligibility, definitions, exclusions, and riders vary by carrier, contract, and state. \n\n#longtermcare #lifeinsurance #insuranceagent"}