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Dual Purpose Life Insurance

In our opinion, dual purpose life insurance or hybrid life insurance, is preferred method of funding long-term care expenses.  Based on our research, less than 48,000 individual long-term care policies were sold in 2020 compared to over 673,000 individual Hybrid or Group life insurance policies purchased in the same year.   Why?  It is the "use it or lose it" nature of long-term care policies that is main driver for the shift followed by rate increases.

Quoting & System


Before submitting a case for quotation, please call us to discuss any special underwriting needs and special characteristics.

Depending on the group, there might be only one carrier available.  For example, of the many companies will represent, only one company will offer coverage to groups with 5 applications on a guaranteed issue basis.

Enrollment Strategy & Communications​


We cannot stress enough to have employers conduct a "special enrollment" for this product, since it is a financial planning tool offered on a voluntary basis.  Having a great enrollment helps America, employees and employers and will have a positive effect on financial health of all.

To properly communicate dual purpose life insurance, our process starts with employee education 4-6 weeks out from the first enrollment date.


BJA will send an educational packet to each home address, to insure that spouses, if applicable, have an opportunity to review the information.  


We also add emails and videos to the education process.



Our partner companies will provide guaranteed issue life insurance amounts for groups over 5 employees or members.  Guaranteed issue amounts are determined by group size.  


All companies have an A+ rating or higher.

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