EPISODE · May 30, 2026 · 10 MIN
How Annuities Fund Long-Term Care Without Buying a Policy
from Annuities with Fexingo: Income Products, Retirement Planning, and Insurance Investments · host Fexingo
Episode 21 of Annuities with Fexingo explores a little-known strategy: using a deferred fixed annuity with a long-term care rider to cover care costs without a separate long-term care insurance policy. Lucas and Luna break down how these hybrid annuities work, the trade-offs versus traditional LTC insurance, and a real-world example from a 2025 case study. They cover premium multipliers, benefit triggers, and the tax treatment of LTC withdrawals. If you're approaching retirement and worried about care expenses, this episode explains when an annuity-based solution makes sense — and when it doesn't. #Annuities #LongTermCare #RetirementPlanning #HybridAnnuities #LTCInsurance #FixedAnnuity #CareCosts #RetirementIncome #ElderCare #Finance #PersonalFinance #WealthManagement #Insurance #AgingPopulation #NursingHome #HomeCare #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
What this episode covers
Episode 21 of Annuities with Fexingo explores a little-known strategy: using a deferred fixed annuity with a long-term care rider to cover care costs without a separate long-term care insurance policy. Lucas and Luna break down how these hybrid annuities work, the trade-offs versus traditional LTC insurance, and a real-world example from a 2025 case study. They cover premium multipliers, benefit triggers, and the tax treatment of LTC withdrawals. If you're approaching retirement and worried about care expenses, this episode explains when an annuity-based solution makes sense — and when it doesn't. #Annuities #LongTermCare #RetirementPlanning #HybridAnnuities #LTCInsurance #FixedAnnuity #CareCosts #RetirementIncome #ElderCare #Finance #PersonalFinance #WealthManagement #Insurance #AgingPopulation #NursingHome #HomeCare #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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How Annuities Fund Long-Term Care Without Buying a Policy
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