---
title: Can Clients Deduct Hybrid Life/QLTC Insurance Premiums?
description: Securian
image: https://www.ltcipartners.com/hubfs/securian%20new%20logo.png
---

## Planning Tips and Carrier News for Advisors

- [The Advisor's View of Long-Term Care Planning](https://www.ltcipartners.com/blog)
- [Planning Tips and Carrier News for Advisors](https://www.ltcipartners.com/carriernews)
- [Consumer Planning Blog](https://www.ltcipartners.com/planning-for-long-term-care-in-america)
- [Group LTC Benefits Blog](https://www.ltcipartners.com/group-ltc)
- [On-demand webinar library](https://www.gotostage.com/channel/ltcipartners)

- [The Advisor's View of Long-Term Care Planning](https://www.ltcipartners.com/blog)
- [Planning Tips and Carrier News for Advisors](https://www.ltcipartners.com/carriernews)
- [Consumer Planning Blog](https://www.ltcipartners.com/planning-for-long-term-care-in-america)
- [Group LTC Benefits Blog](https://www.ltcipartners.com/group-ltc)
- [On-demand webinar library](https://www.gotostage.com/channel/ltcipartners)

[Jun 29, 2026

### John Hancock in-force rate action for select states

](https://www.ltcipartners.com/carriernews/john-hancock-in-force-rate-action-for-select-states)

## Never miss any update

Subscribe to the Planning Tips and Carrier News for Advisors newsletter today to receive updates on the latest news from our carriers.

Your privacy is important to us. We have developed a [Privacy Policy](https://www.ltcipartners.com/ltci-partners-privacy-policy) that covers how we collect, use, disclose, transfer, and store your information. 

Feb 25, 2019 • [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

## Can Clients Deduct Hybrid Life/QLTC Insurance Premiums?

- [Linked Benefits](https://www.ltcipartners.com/carriernews/topic/linked-benefits)
- [Securian](https://www.ltcipartners.com/carriernews/topic/securian)
- [Long-term care planning](https://www.ltcipartners.com/carriernews/topic/long-term-care-planning)
- [long term care](https://www.ltcipartners.com/carriernews/topic/long-term-care)
- [hybrid life/Long-Term Care](https://www.ltcipartners.com/carriernews/topic/hybrid-life-long-term-care)

- [Tweet](https://twitter.com/share)

As an advisor, there’s no doubt that you’re working with business owners. Part of HIPAA legislation (1996) allows for business owners to deduct Qualified LTC Insurance premiums. That means the riders that are attached to Hybrid Life/QLTCI plans are deductible and the policy benefits are income tax-free. Securian has created some great material to guide advisors to working with business owners and highlights this favorable tax treatment. Please see below-

 

[Securian SecureCare Individual Worksheet](https://www.ltcipartners.com/hubfs/Indvidual%20Worksheet.pdf)

[Securian SecureCare Pass Thru Business Owner Worksheet](https://www.ltcipartners.com/hubfs/Pass%20Thru%20Business%20Owner%20Worksheet.pdf)

[Securian SecureCare Tax Presentation](https://www.ltcipartners.com/hubfs/SECURECARETAX%20Presentation.pdf)

 

## Written by [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

```json
{
  "@context" : "https://schema.org",
  "@type" : "BlogPosting",
  "author" : {
    "@type" : "Person",
    "name" : "LTCI Partners",
    "url" : "https://www.ltcipartners.com/carriernews/author/ltci-partners"
  },
  "dateModified" : "2019-02-25T22:24:33.009Z",
  "datePublished" : "2019-02-25T22:24:33.000Z",
  "headline" : "Can Clients Deduct Hybrid Life/QLTC Insurance Premiums?",
  "image" : [ "https://www.ltcipartners.com/hubfs/securian%20new%20logo.png" ],
  "mainEntityOfPage" : {
    "@id" : "https://www.ltcipartners.com/carriernews/can-clients-deduct-hybrid-life/qltc-insurance-premiums",
    "@type" : "WebPage"
  },
  "publisher" : {
    "@type" : "Organization",
    "logo" : {
      "@type" : "ImageObject",
      "url" : "https://www.ltcipartners.com/hs-fs/hub/405630/file-1004497223.png"
    },
    "name" : "LTCI Partners, LLC"
  }
}
```