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Fixed annuity with long term care benefits

Annuity/long term care combos are increasing in popularity because a benefit of some sort is paid to the contract owner, whether through income from the annuity or long term care benefits. Combos are best for those who are not willing to purchase a standard long term care contract. A standard reason for objecting to these contracts is the “use it or lose it” factor.  These contracts vary greatly among companies.