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Tangible Life Insurance: Hybrid Plan

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Blue Cross Tangible Hybrid Plan – The Life Insurance with Dual Protection

Life protection and long-term care against disability and injury are critical to health and longevity. Life insurance ensures that you leave a legacy for your dependents and also take care of your family even if you are deceased. Usually, life insurance and long-term care are provided in different packages but Blue Cross provides the two insurance plans in one package known as the tangible life insurance hybrid plan.

As the name implies, this life insurance plan offers two protections both life insurance and long-term care. The life insurance coverage includes up to $1 million in coverage and it is gradually converted into long-term care if the insured reaches the age of 56. Even when converted to long-term care, the balance of life insurance will still remain in force but the insured will be protected for a long-term.

Benefits and Features of Tangible Plan – Hybrid

In the event of the death of the insured, Blue Cross will pay the insured an amount based on the amount insured and also based on the insured’s age at the time of death. For instance, if the insured is between 15 days and 55 years, the amount paid will be 100% of the initial amount insured but the percentage will decrease as the age increases.

  • If the insured dies during the survival period, his dependents will be refunded the policy fees, premiums as well as extra premiums for the coverage.
  • In the event of death, the insured (his beneficiaries) will be paid an amount based on the insured amount and also the age of the insured at the time of death.
  • This is a dual insurance protection that can cover both life insurance as well as long-term coverage.
  • The plan provides coverage up to $1 million in coverage that converts into long-term care coverage at age 56.

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