It seems that with nearly every person or couple I work with, a version of this question comes up. Which plan do I recommend most often? Although all LTC plans are similar in how to qualify for benefits, each company and even each plan within a company carries unique attributes to that are attractive to various wants and needs of interested buyers.. This week, Diane shares different/unique characteristics offered inside hybrod life/LTC plans.   The premiums can't be too high or too low compared to the competition, or one company will get far too many applicants (leading to many more future claims) than other carriers.  The lopsidedness of the financial obligations would really mess up that company's future committments. So if premiums ar similar across the industry, each company needs its own way to attract the clients they want to attract.  Listen and learn some of the unique ways companies diffrentiate themselves. Email me at and ask me for more info on hybrid LTC planning strategies. Then schedule a phone or zoom meeting with me to design your plan