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Discover the 20 Crucial Differences between 'Traditional' Stand-Alone and 'Hybrid' Long-term care policies

Long-term care insurance has undergone a significant transformation over the years, evolving to meet the changing needs of individuals planning for their future and leave insurers less exposed as these policies experience ‘high claim rates’ as 6 out of 10 people will require long-term care services.

In light of these changes, gone are the days when the only option available was a ‘traditional’ policy solely focused on covering long-term care services. Today, the landscape is much more diverse, with innovative ‘hybrid’ policies emerging on the scene. These hybrid policies not only offer long-term care benefits but also seamlessly integrate other types of insurance coverage, such as life insurance death benefits and annuity lifetime benefits.

20 Differences between 'Traditional' Stand-Alone and 'Hybrid' Long-term care policies

This evolution has opened up a world of possibilities for the general public, providing more flexibility and potential peace of mind than ever before. However, with more choices comes greater complexity, making it challenging for individuals to navigate their options and choose the best plan for their unique situation.

This is why I put together this comprehensive guide. I want you to have a resource that lays out the crucial differences between stand-alone and the two main hybrid long-term care policies (life insurance and annuities.) 

My aim is to equip you with the knowledge to make informed decisions for your future, ensuring you select a policy that aligns with your needs and provides the security you deserve. When you are done, take a look at my guide where I can show you how to have the long-term care coverage you want without making a sacrifice on your lifestyle or your investments…

1. Premium Comparison: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

When it comes to choosing a long-term care insurance plan,  premium commitment is likely on the top of your list. For more information about the premium requirements for the three types of policies, click here

Traditional LTC

Pros

  • Generally lower initial premiums.
  • Premiums may be tax-deductible.

Cons

  • Premiums can increase over time.
  • No cash value or death benefit.

Life Hybrid LTC

Pros

  • Dual purpose: provides a death benefit and long-term care coverage.
  • Premiums are often fixed.

Cons

  • Higher initial premiums compared to stand-alone policies.
  • Long-term care benefit may reduce the death benefit.

Annuity Hybrid LTC

Pros

  • Provides a stream of income that will increase when long-term care services are needed.
  • No medical underwriting required.

Cons

  • Requires a large upfront investment.
  • May have lower long-term care benefits compared to other options.

2. Benefit Structure: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

The structure of benefits means how and when you receive any money from the policy.

For more information about benefit structure for the three types of policies, click here

Traditional LTC

Pros

  • Flexible benefit options (e.g., daily or monthly benefit amounts).
  • Coverage for a wide range of long-term care services.

Cons

  • Benefits ONLY for long-term care services and can’t be leveraged for any other financial goals.

Life Hybrid LTC

Pros

  • Benefits can be used for long-term care or as a death benefit.
  • Offer accelerated death benefits that can be used for long-term care services.

Cons

  • Benefit amount may be limited by the death benefit.
  • Using long-term care benefits reduces the death benefit.

Annuity Hybrid LTC

Pros

  • Provides income that can be used for any purpose, including long-term care.
  • Offer additional income benefits for long-term care needs.

Cons

  • Income payments may be fixed and not keep pace with rising care costs.
  • Long-term care benefits may be limited compared to stand-alone policies.

3. How long will coverage last if you need long-term care services: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

The length of coverage is an important factor when choosing long-term care coverage. For more information about how long long-term care coverage will last with each type of policy, click here…

Traditional LTC

Pros

  • Coverage duration can be customized to your needs to a couple of years to lifetime coverage.
  • Offers protection for an extended period, up to lifetime coverage.

Cons

  • Longer coverage durations result in higher premiums
  • Risk of outliving the coverage period if not chosen wisely.

Life Hybrid LTC

Pros

  • Coverage duration is tied to the life insurance policy.
  • Provides a death benefit if long-term care benefits are not used providing peace of mind estate isn’t being eroded if is never needed.

Cons

  • Limited flexibility in adjusting the coverage duration.
  • Long-term care coverage ends when the death benefit is paid out.

Annuity Hybrid LTC

Pros

  • Income stream can be for life, providing ongoing coverage.
  • Some products offer additional long-term care coverage for a specified period.

Cons

  • Once the annuity is annuitized, the coverage duration is fixed.
  • May not provide as extensive coverage as a stand-alone or life hybrid policy.

4. Premium Stability: Traditional vs. Life Hybrid vs. Annuity Hybrid Long-Term Care Policies

Knowing whether or not your premiums may increase is a key planning consideration. To learn more about premium stability with each type of long-term care coverage, click here…

Traditional LTC

Pros

  • Policies offer fixed premiums with guaranteed renewability.
  • Premiums may be lower when purchased at a younger age but may be subject to larger premium increases.

Cons

  • Premiums can increase over time due to rising healthcare costs.
  • No refund of premiums if the policy is never used.

Life Hybrid LTC

Pros

  • Premiums are often fixed and guaranteed not to increase.
  • Provides a death benefit even if long-term care benefits are not used.

Cons

  • Higher initial premiums compared to stand-alone long-term care policies.
  • Limited flexibility to adjust coverage.

Annuity Hybrid LTC

Pros

  • No ongoing premiums after the initial investment.
  • Provides a guaranteed income stream.

Cons

  • Large upfront investment required.
  • May not offer as comprehensive long-term care coverage as other options.

5. Inflation Protection: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

With the rising cost of medical care in the United States (and globally), inflation protection ensures that your benefits keep pace with these rising costs. To learn more about inflation protection with each type of policy, click here…

Traditional LTC

Pros

  • Offers inflation protection riders to increase benefits over time.
  • Helps preserve the purchasing power of your benefits.

Cons

  • Inflation protection increases the cost of premiums.
  • May not fully cover the actual increase in care costs.

Life Hybrid LTC

Pros

  • Some policies include inflation protection for the long-term care benefit.
  • Death benefit provides a hedge against inflation.

Cons

  • Inflation protection may be limited compared to stand-alone policies.
  • Higher premiums for policies with inflation protection.

Annuity Hybrid LTC

Pros

  • Fixed income stream provides some protection against inflation.
  • Some products offer increasing income options.

Cons

  • Income increases may not keep pace with inflation.
  • Inflation protection may be limited or not available.

6. Underwriting Requirements: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

Underwriting requirements, or the various factors and insurance company will look at when considering whether or not to issue a policy and/or at what premium, can impact your coverage.

To learn more about underwriting requirement with each type of policy, click here…

Traditional LTC

Pros

  • Medical underwriting ensures you are not overpaying for coverage.
  • Healthier individuals may qualify for lower premiums.

Cons

  • Stringent underwriting requirements may disqualify some individuals.
  • Medical exams and health questions are typically required.

Life Hybrid LTC

Pros

  • Underwriting is based on life insurance requirements, which may be less stringent.
  • May be easier to qualify for than a stand-alone policy.

Cons

  • Health issues can still affect eligibility and premium rates.
  • May require a medical exam and health questions

Annuity Hybrid LTC

Pros

  • No medical underwriting required for most annuity products.
  • Easier to qualify for than policies with medical underwriting.

Cons

  • Limited long-term care benefits compared to underwritten policies.
  • May not provide comprehensive coverage for those with pre-existing conditions.

7. Flexibility of Benefits: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

The flexibility of benefits can affect how you use your coverage. To learn more about flexibility of benefits with each type of policy, click here…

Traditional LTC

Pros

  • Benefits can be used for a wide range of care services, including home care and assisted living.
  • Flexible options for benefit periods and daily benefit amounts.

Cons

  • Benefits are specifically for long-term care expenses.
  • May have restrictions on how benefits can be used.

Life Hybrid LTC

Pros

  • Provides a death benefit in addition to long-term care coverage.
  • Some policies offer flexible options for using the death benefit for long-term care.

Cons

  • Using long-term care benefits reduces the death benefit.
  • May have limitations on the types of care covered.

Annuity Hybrid LTC

Pros

  • Income can be used for any purpose, including long-term care expenses.
  • Some products offer additional benefits for long-term care needs.

Cons

  • Once annuitized, the income stream is fixed and may not fully cover long-term care costs.
  • May have limited options for increasing benefits to cover long-term care expenses.

8. Renewability: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

Renewability relates to the likelihood your policy will continue or be cancelled and if it is continued, the likelihood of a premium increase.  To learn more about renewability with each type of policy, click here…

Traditional LTC

Pros

  • Policies are often guaranteed renewable, meaning they cannot be canceled as long as premiums are paid.
  • Provides assurance that coverage will continue despite changes in health.

Cons

  • Premiums can still increase for the entire policy class.
  • Does not guarantee fixed premiums.

Life Hybrid LTC

Pros

  • Life insurance policies are typically guaranteed renewable for the life of the policy.
  • Long-term care rider benefits are also usually guaranteed as part of the life insurance policy.

Cons

  • Certain policies may end (term life insurance) while others may have significant internal cost increases (universal life insurance.)
  • The renewability is tied to mortality (likelihood of death vs. morbidity (likelihood of needing care.)

Annuity Hybrid LTC

Pros

  • Once the annuity is purchased, the income stream is guaranteed.
  • No additional renewability concerns once the annuity is in place.

Cons

  • The guarantee is for the income stream, not specifically for long-term care coverage.
  • May not provide the same level of long-term care protection as a renewable insurance policy.

9. Return of Premium: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

The ‘return of premium’ refers to the refund issued if long-term care benefits aren’t ever used.  To learn more about return of premium with each type of policy, click here…

Traditional LTC

Pros

  • Some policies offer a return of premium option, providing a refund if the policy is not used.
  • Can provide peace of mind that premiums will not be “wasted” if long-term care is never needed.

Cons

  • Return of premium options typically increase the cost of the policy.
  • May come with restrictions and limitations on how the refund is provided.

Life Hybrid LTC

Pros

  • The death benefit acts as a de facto return of premium if long-term care benefits are not used.
  • Provides value to beneficiaries even if long-term care is never needed.

Cons

  • No specific return of premium feature for the long-term care portion.
  • The focus is on the life insurance benefit rather than a refund of long-term care premiums.

Annuity Hybrid LTC

Pros

  • The annuity investment can provide a return even if long-term care benefits are not used.
  • Some products offer death benefits or return of premium features.

Cons

  • The return is typically in the form of income or death benefits, not a direct refund of premiums.
  • May not provide the same level of refund as a specific return of premium option in a long-term care policy.

10. Death Benefit: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

The presence and structure of death benefits can influence policy choice.

To learn more about return of premium with each type of policy, click here…

Traditional LTC

Pros

Some policies offer a small death benefit if the policy is not used for long-term care.

Can provide a modest return to beneficiaries.

Cons

  • Death benefits are typically minimal compared to life insurance policies.
  • The primary focus provided by the premium payment is to provide long-term care benefits, not death benefits.

Life Hybrid LTC

Pros

  • Provides a significant death benefit in addition to long-term care coverage.
  • Offers dual-purpose protection for both life and long-term care needs.

Cons

  • Using long-term care benefits can reduce the death benefit available to beneficiaries.
  • The focus on life insurance may mean less comprehensive long-term care coverage.

Annuity Hybrid LTC

Pros

  • Annuities, a form of life insurance, offer death benefits in addition to income and long-term care coverage.
  • Can provide a return to beneficiaries if the annuitant dies before the annuity is fully paid out.

Cons

  • Death benefits are typically secondary to the income and long-term care benefits.
  • May not offer as high a death benefit as a life insurance policy.

11. Tax Implications: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

Understanding the tax implications of each policy type is important for financial planning.

To learn more about the tax implications of owning each type of policy, click here…

Traditional LTC

Pros

  • Premiums may be tax-deductible as a medical expense.
  • Benefits received are generally tax-free.

Cons

Life Hybrid LTC

Pros

  • Death benefits are generally received tax-free.
  • Long-term care benefits may also be received tax-free.

Cons

  • Premiums are not typically tax-deductible.
  • Tax implications may vary based on the structure of the policy and benefits used.

Annuity Hybrid LTC

Pros

  • Annuity income may be partially tax-free if used for qualifying long-term care expenses.
  • Offers a way to use pre-tax dollars for long-term care needs.

Cons

  • Taxation of annuity income can be complex, depending on the source of funds and how benefits are used.
  • May not offer the same tax advantages as a dedicated long-term care insurance policy.

12. Portability to a New Area: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

The ability to maintain coverage when moving or traveling is an important consideration when considering long-term care coverage.

To learn more about the tax implications of owning each type of policy, click here…

Traditional LTC

Pros

  • Policies are generally portable, providing coverage across different states and sometimes even internationally.
  • Allows for flexibility in choosing where to receive care.

Cons

  • Coverage details may vary based on local regulations and care costs.
  • International coverage may not be available, be limited or subject to additional conditions.

Life Hybrid LTC

Pros

  • The life insurance component is portable and provides coverage regardless of location.
  • Long-term care benefits are typically also portable, although specific terms may vary.

Cons

  • International coverage for long-term care benefits may be limited or vary by policy.
  • Portability may depend on the specific terms and conditions of the rider.

Annuity Hybrid LTC

Pros

  • Income from the annuity is generally portable and can be received regardless of location.
  • Some products may offer long-term care benefits that are also portable.

Cons

  • Long-term care coverage may be more limited in terms of portability compared to stand-alone policies.
  • May have restrictions on where and how long-term care benefits can be used.

13. Financial Strength of Insurers: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

The financial stability of the insurance company is crucial for ensuring that benefits will be paid out when needed. To learn more about the tax implications of owning each type of policy, click here…

Traditional LTC

Pros

  • Established insurers with strong financial ratings provide confidence in their ability to pay claims.
  • Regular regulatory oversight ensures solvency and reliability.

Cons

  • The long-term care insurance market has seen some insurers exit or face financial challenges.
  • Important to regularly review the insurer’s financial strength and stability.

Life Hybrid LTC

Pros

  • Life insurance companies are often large, well-established, and financially stable.
  • The long-term care rider benefits from the financial strength of the overall life insurance policy.

Cons

  • The financial stability of the insurer is crucial for ensuring the payment of both life and long-term care benefits.
  • Changes in the insurer’s financial health can impact the reliability of the policy.

Annuity Hybrid LTC

Pros

  • Annuity providers are typically large financial institutions with a strong track record of stability.
  • Regular regulatory oversight ensures that the company can meet its financial obligations.

Cons

The financial stability of the insurer is essential for the continued payment of annuity income and long-term care benefits.

Market fluctuations and economic downturns can impact the insurer’s ability to fulfill its commitments.

14. Combination with Other Insurance: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

The ability to combine a policy with other insurance products can enhance overall coverage.

To learn more about combining various policies together with long-term care, click here…

Traditional LTC

Pros

  • Can be tailored to complement other existing insurance coverage, such as health and disability insurance.
  • Provides specialized coverage specifically for long-term care needs.

Cons

  • Does not offer the same level of integration with other insurance products as hybrid options.
  • May require careful coordination with other insurance policies to avoid gaps or overlaps in coverage.

Life Hybrid LTC

Pros

  • Combines life insurance and long-term care coverage in one policy, simplifying coverage and premium payments.
  • Can be a cost-effective way to obtain both types of coverage.

Cons

  • The integration of long-term care coverage with life insurance may limit the flexibility and customization of the long-term care benefits.
  • Using long-term care benefits can reduce the death benefit available to beneficiaries.

Annuity Hybrid LTC

Pros

  • Provides a combination of income, long-term care coverage, and potentially a death benefit in one product.
  • Can be an efficient way to allocate assets for multiple purposes.

Cons

  • The focus on income generation may result in less comprehensive long-term care coverage compared to stand-alone policies.
  • May not offer the same level of integration with other insurance products as a life insurance policy with a long-term care rider.

15. Cash Value: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

The presence of a cash value component can provide additional financial flexibility. To learn more about cash values in various policies, click here…

Traditional LTC

Pros

  • Some policies offer a cash value or return of premium feature, providing financial flexibility if the policy is not used.
  • Can serve as a financial safety net in certain circumstances.

Cons

  • Most stand-alone long-term care policies do not accumulate cash value like life insurance policies.
  • The primary focus is on providing long-term care coverage, not building cash value.

Life Hybrid LTC

Pros

  • The life insurance policy can accumulate cash value, providing additional financial flexibility.
  • Cash value can be accessed through loans or withdrawals, which can be used for various purposes, including long-term care expenses.

Cons

  • Accessing the cash value can reduce the death benefit and long-term care coverage.
  • Loans and withdrawals from the cash value may have tax implications.

Annuity Hybrid LTC

Pros

  • The annuity investment can grow over time, providing a source of income and potentially increasing the long-term care benefits.
  • Offers a way to use investment growth to fund long-term care needs.

Cons

  • The focus is on income generation rather than accumulating a cash value like a life insurance policy.
  • Accessing funds from the annuity may reduce the income stream and long-term care benefits.

16. Surrender Charges: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

Understanding the surrender charges, or the cost to exit a policy, end coverage and receive a refund, associated with canceling a policy is important for financial planning purposes. To learn more about surrender charges in various policies, click here…

Traditional LTC

Pros

  • Most stand-alone policies do not have surrender charges, allowing for flexibility in canceling the policy if needed.
  • Provides the option to discontinue coverage without financial penalties.

Cons

  • Canceling the policy means losing the premiums paid and the coverage.
  • No cash value or refund of premiums is typically available upon cancellation.

Life Hybrid LTC

Pros

  • Some policies may offer a return of premium or cash value upon surrender, providing a financial return if the policy is canceled.
  • Offers flexibility in accessing accumulated value if the policy is no longer needed.

Cons

  • Surrender charges may apply, reducing the amount returned upon cancellation.
  • Canceling the policy means losing both the life insurance and long-term care coverage.

Annuity Hybrid LTC

Pros

  • Annuities may offer options to access accumulated value or income if the policy is surrendered.
  • Provides flexibility in managing financial assets and coverage.

Cons

  • Surrender charges may apply, especially in the early years of the annuity, reducing the amount available upon cancellation.
  • Surrendering the annuity may impact the income stream and long-term care benefits.

17. Exclusions and Limitations: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

Understanding the exclusions and limitations of a policy is crucial for knowing what is covered in a long-term care policy. To learn more about exclusions and limitations in various LTC policies, click here…

Traditional LTC

Pros

  • Policies typically provide clear definitions of what is covered and what is excluded, allowing for informed decision-making.
  • Coverage can be tailored to specific needs and preferences, with options to add or remove certain coverages.

Cons

  • Exclusions and limitations may restrict coverage for certain conditions or care situations.
  • Important to carefully review the policy details to understand what is not covered.

Life Hybrid LTC

Pros

  • Combines the benefits of life insurance with long-term care coverage, providing a broad range of protection.
  • May offer flexibility in how the benefits are used, with options to use the death benefit for long-term care expenses.

Cons

  • Long-term care coverage may be subject to limitations and exclusions, which can impact the availability of benefits.
  • The integration of life insurance and long-term care coverage may result in compromises in the scope of coverage.

Annuity Hybrid LTC

Pros

  • Provides a combination of income and long-term care coverage, offering financial security and protection.
  • Some products may offer additional features or riders to enhance long-term care coverage.

Cons

  • The long-term care benefits may be subject to limitations and exclusions, which can affect the comprehensiveness of coverage.
  • The focus on income generation may result in less flexibility in the long-term care coverage options.

18. Ease of Making a Claim: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

The ease of filing a claim and receiving benefits are important aspects of any insurance policy.  To learn more about how easy or hard it is to file a claim with various policies, click here…

Traditional LTC

Pros

  • Specialized in long-term care coverage, insurers may have streamlined claim processes for these types of policies.
  • Policies often have clear criteria for eligibility and benefit triggers, facilitating the claim process.

Cons

  • The claim process can still be complex, requiring documentation of care needs and eligibility.
  • Delays or disputes in the claim process can impact the timely receipt of benefits.

Life Hybrid LTC

Pros

  • Combining life insurance and long-term care coverage can simplify the claim process, with one insurer handling both types of benefits.
  • The claim process for the life insurance component is typically well-established and efficient.

Cons

  • Claiming long-term care benefits may require additional documentation and assessments beyond what is needed for a life insurance claim.
  • The integration of two types of coverage can sometimes complicate the claim process.

Annuity Hybrid LTC

Pros

  • Annuities are designed to provide income, which can be straightforward to access once the annuity is annuitized.
  • Some products may offer simplified claim processes for accessing long-term care benefits.

Cons

  • Claiming long-term care benefits from an annuity may involve additional steps and documentation compared to receiving regular income payments.
  • The focus on income generation may result in a less specialized claim process for long-term care needs.

19. Consumer Reviews and Experiences: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

Consumer feedback can provide valuable insights into the real-world performance of insurance policies.  To learn more about consumer feedback and satisfaction levels with various policies, click here…

Traditional LTC

Pros

  • Reviews and experiences can highlight the strengths and weaknesses of specific policies and insurers.
  • Positive feedback can provide reassurance about the reliability and quality of coverage.

Cons

  • Negative reviews may raise concerns about issues such as claim denials, premium increases, or customer service.
  • It’s important to consider the context and source of reviews to ensure they are representative and credible.

Life Hybrid LTC

Pros

  • Consumer feedback can shed light on the effectiveness of combining life insurance and long-term care coverage.
  • Positive experiences can validate the value and convenience of having integrated coverage.

Cons

  • Complaints or negative reviews may point to challenges in understanding or using the combined benefits.
  • Reviews may vary widely depending on the specific product and insurer.

Annuity Hybrid LTC

Pros

  • Reviews can provide insights into the satisfaction with the income and long-term care benefits provided by the annuity.
  • Positive feedback can reinforce the benefits of using an annuity for long-term care planning.

Cons

  • Negative reviews may highlight issues such as inadequate long-term care coverage or dissatisfaction with the income stream.
  • Consumer experiences can vary based on the specific annuity product and the individual’s financial situation.

20. Financial Planning Integration: Traditional vs. Life vs. Annuity Hybrid Long-Term Care Policies

Integrating a policy into your overall financial plan is key to ensuring comprehensive coverage, financial security and the most efficient use of your wealth.  To learn more about consumer feedback and satisfaction levels with various policies, click here…

Traditional LTC

Pros

  • Provides focused coverage for long-term care expenses, allowing for targeted financial planning.
  • Can be strategically combined with other insurance and investment products to create a comprehensive financial plan.

Cons

  • Requires careful coordination with other aspects of the financial plan to ensure seamless coverage.
  • May need to be adjusted over time to align with changing financial goals and circumstances.
  • Offers no other secondary benefits that can enhance financial position.

Life Hybrid LTC

Pros

  • Offers the dual benefits of life insurance and long-term care coverage, simplifying financial planning.
  • Can provide peace of mind that both life and long-term care needs are addressed in the financial plan.

Cons

  • Balancing the life insurance and long-term care components requires careful planning to ensure both needs are adequately covered.
  • Changes in financial goals or needs may necessitate adjustments to the policy.

Annuity Hybrid LTC

Pros

  • Provides a source of income while also addressing long-term care needs, enhancing financial security.
  • Can be an effective tool for retirement planning, offering both income and protection.

Cons

  • Integrating an annuity into the financial plan requires consideration of factors such as income needs, tax implications, and long-term care coverage.
  • May need to be complemented with other insurance or investment products to provide comprehensive coverage.

Summary
There are pro's and con's to each type of long-term care insurance coverage...

Choosing the right long-term care insurance policy is a critical decision that requires careful consideration of various factors, including cost, coverage, flexibility, and financial stability. By understanding the pros and cons of stand-alone long-term care insurance, life insurance with long-term care riders, and annuities with long-term care benefits, you can make an informed choice that aligns with your financial goals and provides the protection you need.

The information provided on this website is for educational and informational purposes only and is not intended as financial, investment, or legal advice. Kevin Wenke, CFP, CLU, and his companies, Decision Tree Financial and Decision Tree Investment Advisors LLC, do not guarantee the accuracy or completeness of the information presented. No client-advisor relationship is established by the use of this website or interaction with its content.

All investments carry risk, including the potential loss of principal, and past performance is not indicative of future results. Decision Tree Investment Advisors LLC is a Registered Investment Advisory Firm and complies with all applicable laws and regulations. Kevin Wenke is also an insurance agent and may sell insurance products.

This website may contain links to third-party sites, for which we are not responsible for the content or accuracy. The content on this website is the property of Decision Tree Financial and Decision Tree Investment Advisors LLC and is protected by copyright laws.

For personalized financial advice, please contact Kevin Wenke or Decision Tree Financial directly.

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