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Hybrid Insurance on the Rise: A New Era for Long-Term Care Protection

Karen R. Terry, FLMI; Linda Chow, EY 4/3/2026

This study provides strategic insights from the LIMRA/EY US 2025 individual life combination LTC survey.

Summary

This study provides strategic insights from the LIMRA/EY US 2025 individual life combination LTC survey. It’s based on responses from 35 insurance companies and nine executive interviews. The report highlights market dynamics, business strategies, distribution landscape, risk management, technology, and operational imperatives shaping the future of combination long-term care insurance.

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Meet the Project Director

Karen R. Terry, FLMI

Karen Terry leads the Individual Product Research team, developing and implementing LIMRA's research program for individual life, disability long-term care and critical illness insurance products in the U.S. and Canada. Under her guidance, her team provides competitive intelligence on product design, customer demographics, industry sales trends and forecasts for the North American individual insurance markets. With over 25 years of insurance product and consumer research experience, Karen is a leading industry expert on industry performance measures to LIMRA staff, member companies, and the media.

She earned her Bachelor of Science in marketing from the University of Maryland.

Corporate Vice President, Director of LIMRA Insurance Research
LIMRA and LOMA
kterry@limra.com


For more information, please contact kterry@limra.com.

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