Life Insurance with Long-Term Care in Boise
Universal life insurance offers flexible, permanent protection with adjustable premiums and death benefits. At Chris Antrim Insurance in Boise, we help families and individuals design policies that fit their needs—whether Guaranteed Universal Life for stability, or Indexed Universal Life for cash value growth potential. With 20+ years serving the Treasure Valley, we provide trusted guidance to secure your future.
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Smart Coverage for Pre-Retirees & Retirees – Hybrid Life + LTC Insurance
- Hybrid policies combine life insurance + LTC benefits.
- Access death benefit for qualified care (home, assisted living, nursing).
- If not used, family receives death benefit.
Premiums higher than term, but benefits never “wasted.” - Best fit: pre-retirees, retirees, families with LTC risk.
What is a Hybrid Life + LTC Policy?
A hybrid policy allows access to the death benefit for long-term care needs. If care isn’t needed, beneficiaries still receive benefits.
List of Services
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Benefits for Boise FamiliesList Item 1
- Helps cover rising LTC costs in Idaho, where average nursing care exceeds $100,000/year.
- Protects assets while guaranteeing value.
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Cost Examples & Scenarios
Example: A $250,000 policy might allow up to $5,000/month for LTC expenses for up to 50 months.
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How Hybrid Plans Compare to Standalone LTC
Standalone LTC is use-it-or-lose-it, while hybrid life+LTC guarantees benefits one way or another.
FAQs
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