Long Term Care Hybrid Products 

Welcome to the Long Term Care Hybrid Products section of our web site. 

Beginning in 2010, a new provision in the 2006 Pension Protection Act (PPA) changed the way interest is paid out under certain qualifying accounts, and it made withdrawals tax-free if you use the funds for long-term care expenditures. 

These new benefits apply for certain qualifying life insurance policies and annuity contracts funded with after-tax money, and are known as Long Term Care Hybrid products.  This section covers information on these Annuity / Long Term Care Hybrid  and Whole Life / Long Term Care Hybrid Products.