A fully guaranteed hybrid LTCi product with a true cash indemnity benefit can simplify the claim conversation for your clients. Get a practical overview of Securian's SecureCare 4 and where it fits in long-term care planning. In this carrier session of the Buddy Study Podcast, Tim Goh, SecureCare Regional Vice President at Securian, walks financial advisors and insurance professionals through the SecureCare 4 design, its recent enhancements, and the underwriting process. The conversation covers where the product shows most competitively, how it supports business owner planning, and practical steps that help advisors move cases forward with fewer delays. Tim also highlights the advisor resources Securian provides, including its illustration software and presentations built for affluent self-funders, business owners, and charitably minded clients. We explore: How the SecureCare cash indemnity benefit works, from claim requirements to care concierge supportGuaranteed premiums, return of premium, reduced paid-up options, and paying a policy up earlyRecent SecureCare 4 enhancements, including a retroactive elimination period benefit, a new 20 pay option, and a 100% international benefitWhere SecureCare 4 is most competitive by age band and payment schedule in single life, non-qualified casesHow separating the life and long-term care portions of the premium supports business owner and tax deductibility conversationsUnderwriting best practices, including prescreen IDs, phone interview preparation, and cover letters for nuanced answersWhat Securian is considering for SecureCare 5 and a qualified solution in 2027This episode is designed to help advisors: Position SecureCare 4 clearly within LTC planning and client conversationsIntroduce long-term care planning into business owner and key employee discussionsPrepare clients for underwriting and reduce avoidable delaysUse carrier tools, illustrations, and presentations to support better planning outcomesCHAPTER MARKERS 0:00 Welcome & Episode Overview 1:01 The SecureCare Lineup: SecureCare 4 and SecureCare UL 3:09 How the Cash Indemnity Benefit Works 5:23 Death Benefit, Return of Premium, and Reduced Paid-Up 7:29 SecureCare 4 Enhancements and International Benefit 12:35 Target Ages and Care Concierge Claim Support 16:43 Business Owner Planning and Tax Deductibility 20:15 Guaranteed Premiums and Early Pay-Up Options 24:02 Value-Add Advisor Presentations and Prospect Profiles 32:25 Underwriting, Phone Interviews, and Prescreen IDs 41:50 Advisor Site Resources and Illustration Tips 45:21 Looking Ahead: SecureCare 5 and 2027 Plans Watch the replay video version: https://youtu.be/hsIxECoBy9c 📅 Join the Weekly Buddy Study Groups This podcast is an extension of the Buddy Study Groups, a free educational community for financial professionals. Weekly Calls: Individual LTCi Study Group: Tuesdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/Il19620844 Group LTCi Study Group: Thursdays at 1 PM PT Add to Calendar 👉 https://www.addevent.com/event/vs19612672 No membership fee. Just education, collaboration, and better planning strategies. 🔎 About Buddy Study Podcast The Buddy Study Podcast helps insurance professionals and financial planners master Long-Term Care Insurance through case studies, expert interviews, and carrier product updates. Our goal is to help advisors become more confident, efficient, and knowledgeable when helping clients plan for long-term care.