"Traditional long-term care is dead" sounds convincing until you look at what no other product type can offer. Learn why advisors who skip traditional LTCi may be leaving their clients underprotected and themselves underpositioned.

Hybrid products dominate the conversation, but traditional long-term care insurance still holds ground that no other product can claim. In this episode of the Buddy Study Podcast, Jason breaks down the current state of traditional LTCi, why the negative stigma is overblown, and where this product type remains the strongest option for advisors and their clients.

We explore:

• Why traditional LTCi still delivers the best bang-for-buck when every premium dollar goes toward long-term care
• The Partnership Program and how it provides exclusive asset protection against Medicaid spend-down
• How business owners benefit from maximum LTC premium tax deductibility
• Executive carve-outs using individual traditional LTCi for small groups
• Carrier updates including NGL's Honest LTC refresh, Banker's Life, Mutual of Omaha Custom Solution, and Thrivent
• Shared care riders, inflation protection strategies, and how to compare 3% vs. 5% compound options
• The coming wave of traditional LTCi in the group worksite market
• Underwriting realities, pre-qualification best practices, and navigating cardiovascular and diabetes cases

This episode is designed to help advisors:

• Recognize where traditional LTCi remains the strongest fit in today's market
• Use the Partnership Program as a planning tool for middle-market clients
• Approach business owners with tax-advantaged LTC strategies
• Navigate rate increase conversations and legacy carrier concerns with confidence

Chapter Markers

0:00 Welcome & Episode Overview

1:28 Traditional LTCi: The OG of Long-Term Care

4:09 Ideal Clients and Underwriting Realities

7:06 Carrier Updates: Banker's Life and NGL Honest LTC

9:18 Why Business Owners Need Traditional LTCi

11:44 Traditional LTCi in the Group Worksite Market

15:05 The Partnership Program Explained

21:00 Inflation Protection and 10-Pay Options

27:16 Shared Care, Mutual of Omaha & Carrier Highlights

35:55 What Traditional LTCi Needs Going Forward

38:49 Rate Increase History and the Genworth Factor

45:36 Underwriting Q&A: Cardiovascular and Diabetes Cases

55:51 Final Thoughts & Advisor Takeaways

📅 Join the Weekly Buddy Study Groups

This podcast is an extension of the Buddy Study Groups, a free educational community for financial professionals.

Weekly Calls:

Individual LTCi Study Group: Tuesdays at 1 PM PT

Add to Calendar 👉 https://www.addevent.com/event/Il19620844

Group LTCi Study Group: Thursdays at 1 PM PT

Add to Calendar 👉 https://www.addevent.com/event/vs19612672

No membership fee. Just education, collaboration, and better planning strategies.

🔎 About Buddy Study Podcast

The Buddy Study Podcast helps insurance professionals and financial planners master Long-Term Care Insurance through case studies, expert interviews, and carrier product updates. Our goal is to help advisors become more confident, efficient, and knowledgeable when helping clients plan for long-term care.