Hybrid life insurance, sometimes called hybrid long-term care insurance, combines permanent life insurance with long-term care insurance. It pays a tax-free death benefit to beneficiaries if you pass away during the policy term but offers tax free income if one qualifies to help cover long-term care costs, such as a caregiver or a long-term care facility.  This can help you hedge against future scenarios without managing separate policies and tracking several premium payments. Hybrid policies do not go through as strict an underwriting, in fact most of the time only the application and a phone interview are needed.  Hybrid life insurance policies often let you choose between monthly, annual, or even premiums or one single payment. This flexibility helps a larger range of prospective policyholders take advantage of hybrid life insurance. Some are stock market linked which offer the opportunity to keep up with the increasing cost of care over time. 

With tax free long-term care benefits. legacy protection and tremendous flexibility, you can feel confident that
you’re prepared for the challenges that life brings.
_{Guarantees are based on the claims paying ability of the issuing company.}