HYBRID LONG TERM CARE OR
LIFE & LONG TERM CARE

 
 

Hybrid long term care is simply life insurance with access to the death benefit early if you get sick through a liquidity rider. However, liquidity riders come in two distinct types; Chronic Care Riders and Long Term Care Riders.

About 80 percent of care given to elderly are given by family.  Ken Dychtwald, PhD - a leading gerontologist and foremost expert on aging - talks about the importance of planning for the future.