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Hybrid Policies

Compare hybrid long-term care policy benefits, costs, and trade-offs side by side.

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Hybrid Policies

$5.99 / month

Access to Hybrid Policies only.

Renews monthly until canceled.

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Checkout creates or uses your Ai-GEN account. Once your payment is confirmed, you can start using your Agent. Open it from your order confirmation or account.

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Payments are generally non-refundable after access is activated, including for disliked, inaccurate, or unsuitable responses. Cancellation stops future renewals; it does not request a refund. Your legal rights still apply. Read the billing and cancellation policy

Plan facts, refunds, and privacy
  • Agents provide AI-generated text assistance. They do not send messages, connect to your accounts, process uploaded files, or create finished media files.
  • Usage limits and service availability apply. Access does not promise unlimited use or guaranteed results.
  • Chat connection safeguard: 50 counted session openings per account, shared across Agents. The counter resets one hour after the last counted opening.
  • At the limit, another session opening is refused until the counter resets. An unsuccessful connection attempt can still count.
  • Opening a session is different from sending a message. This safeguard is not a message allowance. Usage and availability limits may also apply within a conversation.
  • The individual-Agent and all-Agent plans use the same account-wide connection safeguard. Opening an Agent chat requests a session; refreshing, opening another tab, or reconnecting can request another. Revising in an already connected conversation does not itself call this session-opening endpoint.
  • A refused opening does not add to the count or extend its reset. When the reset time is available, the workspace shows when to try opening the Agent again. The connection safeguard does not specify how many useful drafts or messages a subscription includes.
  • Manage future renewals in Account & Billing → Subscriptions. Cancellation and a refund are different actions.
  • Payments are generally non-refundable after access is activated, including for disliked, inaccurate, or unsuitable responses. Cancellation stops future renewals; it does not request a refund. Your legal rights still apply.
  • Your prompts and relevant context are sent to the enabled AI service to generate a response. Avoid confidential, regulated, highly sensitive, or unnecessary personal information. Retention and deletion depend on the service and provider; read the Privacy Policy before sharing work.
  • For billing or access help, email help@ai-gen.co. Include your account email, order number, Agent name, and a short description of the issue. Do not send passwords, payment-card details, or confidential prompts.
  • If a payment has already been taken but access is missing, review your existing order and contact support before buying again. Report duplicate charges or billing errors through the same route. Any remedy follows the billing policy and applicable law.

Billing & Cancellation · Privacy Policy · Terms of Use

If you’re weighing hybrid long-term care policies, paste the quoted terms and costs to compare premiums, long-term care benefits, death benefits, and return-of-premium options. See how each policy’s stated features line up with your care priorities and budget. You’ll leave with a side-by-side comparison, plain-language explanations of key terms, and questions to take to an insurance professional.

What it writes

  • Side-by-side policy benefit and cost comparison
  • Plain-language explanation of policy features
  • Questions for your insurance agent

How to use it

Paste the full quote figures for premiums, benefit amounts, benefit period, elimination period, death benefit, and any riders. Include your care priorities and budget so the comparison focuses on the trade-offs that matter to you.

This workspace provides text assistance.

What you bring

  • Policy quotes or terms pasted as text
  • Premiums, benefit amounts, and payment schedule
  • Care priorities and budget range
  • Have quote or policy terms ready to paste

A good fit for

  • Comparing two policy quotes before meeting with an insurance agent
  • Checking how long-term care benefits affect the death benefit
  • Weighing a single premium against scheduled payments and care needs

Ways to start

A few requests this Agent can handle.

Compare two hybrid policy quotes: Policy A costs $100,000 upfront; Policy B costs $12,000 yearly for 10 years. I want home care coverage. What trade-offs do the terms show?

Explain this policy’s benefit period, elimination period, and inflation rider in plain language. The quote says $6,000 monthly for 36 months and a 90-day elimination period.

Compare these stated benefits: Policy A has a $300,000 death benefit and $450,000 in care benefits; Policy B has a $250,000 death benefit and $500,000 in care benefits. What should I ask the agent?

What this Agent does not do

It does not carry out actions in other applications.

  • Choosing or buying a policy without professional review
  • Medical, legal, tax, or financial advice
  • Cannot verify current policy terms or insurer claims
  • Cannot assess suitability using records or outside sources

Choose where you want to work

Ai-GEN Agents
Use a text workspace here on Ai-GEN with access to one selected Agent or the all-Agent plan. Review the Agent’s own offer and limits.
GPTs on ChatGPT
GPT links open on ChatGPT. OpenAI’s account, access, and usage requirements apply separately. An Ai-GEN purchase does not include a ChatGPT subscription.
Skills
Skills are coming soon and are not included in these Agent offers.

Before you subscribe

What am I buying?

Choose access to this named Agent or the all-Agent plan. The offers above show the current price, billing frequency, and exact scope. GPTs on ChatGPT and future Skills are separate.

What happens after payment?

Checkout creates or uses your Ai-GEN account. Once your payment is confirmed, you can start using your Agent. Open it from your order confirmation or account. Choose a starter task, add your inputs, and send your first request.

Can I cancel?

Yes. Manage cancellation under Account & Billing → Subscriptions. Review the status and cancellation details shown there before confirming.

What if the response is not right for me?

Payments are generally non-refundable after access is activated, including for disliked, inaccurate, or unsuitable responses. Cancellation stops future renewals; it does not request a refund. Your legal rights still apply. Read the billing and cancellation policy

Can I use the response in my work?

Use it as a draft to review and adapt. Verify calculations, facts, rights, and suitability before relying on it. Do not provide information you do not have permission to share.

Can I paste work or client information?

Your request and relevant context are sent to the enabled AI service to generate a response. Use placeholders and share only the minimum information you have permission to send. Avoid confidential, regulated, highly sensitive, or unnecessary personal information; removing names alone does not make restricted material suitable. Review the Privacy Policy before sharing work

What if I have paid but cannot open the Agent?

Sign in with the account used for the purchase and review your existing order in Account & Billing. Contact support with your account email, order number, Agent name, and a short description of the issue before buying again. Do not send passwords, payment-card details, or confidential prompts. Contact support

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