HYBRID policies that combine Life Insurance with Long-Term Care protection.Return of Premium Feature - meaning if the policy is never needed for care, your beneficiary receives a refund of 100% of your premium.This program offers special discounts not available to the general public for:Īnd, as part of this special program, you have access to: Endorsed policy benefits can be used either in home, assisted living, or a skilled nursing facility. NYSDA has teamed with Advisors Insurance Brokers to protect you, your family and your assets, in case you need Long-Term Care.
