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The Expert in Long Term Care Insurance and Life Insurance Long Term Care Insurance Life Insurance Life Insurance Hybrid Policies Michael Medved "Can you afford to grow old?" by Rick Nathanson
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Hybrid policies cover two needs in one policy. These policies link the power of life insurance and long term care insurance in a single flexible life insurance policy. The "What if I never need long term care?" objection disappears.

• Use no LTC benefits - Beneficiaries get 100% of the death benefit
• Use some LTC benefits - Beneficiaries get a partial death benefit
• If you change your mind, you can get back all your premiums.

Your care is covered, your life is covered, and your decision is covered.

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