Posted By WiseOwl Thursday, November 16 2017 at 1:29 PM Hybrid policies erode the life or annuity account balances to pay for cost of care-so just one asset bucket. They are also NOT tax deductible LTC premiums for a qualifying LLC, S or C corp. business entity. Better to personally own a standalone robust LTC policy, and pay the premium through an annual tax free 1035 annuity exchange. And, own a separate permanent life policy as well-no erosion of DB when care costs hit. Posted By firstname.lastname@example.org Tuesday, November 14 2017 at 11:08 AM Yes, the hybrids are easy to sell - as long as neither the seller nor the buyer considers inflation on a bill most likely to be encountered for 20-30 or more years in the future. I have $0.28 in my pocket right now but cannot purchase a gallon of gasoline with that. When inflation is added to hybrids (if it is even available) they become way too expensive. So, are we focused more an sales and commissions, or our clients' well being?