The Benefits of a Hybrid Policy

The long-term care insurance market is flat out, broken. The insurers have repeatedly broken promises to people who, in good faith, bought policies even decades before. These policies come with a provision where you end up needing to move into an assisted living facility or need care for life-staley activities. Then you can trigger a payout from the policy. Federal law is friendly to this. And you have the ability, instead of having a death benefit from it, going to your loved ones,. It is a living benefit to provide for long- term care with a cap based on the size policy you buy.