More of your clients are asking about long-term care, and hybrid policies give you a way to answer that works whether they ever need care or not.

In this episode of Lifelinked, Morgan sits down with Chad Preston, a brokerage rep at TBA who works on these cases with advisors every week. Chad explains how hybrid long-term care combines life insurance with long-term care benefits, so clients get protection for care costs and a death benefit if they never use it.

You'll hear:

• Who the ideal client is, including the 50 to 65 underwriting sweet spot
• How to respond to "What if I never need care?" and "I can self-fund it"
• What health history to gather before you submit a case
• The one mistake to avoid when positioning these policies
• Two great opportunities: clients with cash or CDs on the sidelines, and clients who recently inherited an IRA

This month's challenge: Have one hybrid long-term care conversation with an existing client.

Have a case or a question? Reach out to Chad or anyone on the TBA team. For more resources and past episodes, visit www.TBA.com.

Succession planning is one of the most important—and most overlooked—conversations for business owners. In this episode, Morgan sits down with Dan Lehner of Principal Financial Group to discuss why many owners delay planning, the risks of waiting too long, and how advisors can guide meaningful succession conversations that protect businesses, families, and long-term legacy.

The clock on the estate tax exemption has stopped ticking for the first time in over a decade, but that doesn't mean estate planning conversations are slowing down. Morgan talks with Tracy Ullom from John Hancock's Advanced Markets team about what's driving these conversations now: less about net worth brackets and more about the client's underlying goals for their business, their heirs, and their legacy.

Tracy also breaks down the Great Wealth Transfer (over $100 trillion moving to the next generation over the next 20 years) and how life insurance fits into keeping wealth and businesses in the family.