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Lump sum life insurance with LTC insurance rider
Old 07-22-2013, 03:06 PM   #1
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Lump sum life insurance with LTC insurance rider

I am not sure if this is the right forum, but here goes...

I just found out from an aquiantance there is a lump sum whole life insurance you can buy with a LTC insurance rider and the premium does not go up (because you pay the full amount up front).

I was consdering getting a LTC insurance until I read that sometimes the rate goes up 40%, 50% in one year, so I was hesitent, but I am wondering if anybody has a combo insurance like this, and if that's a better option. (I guess this is called asset-based long term care...)

Maybe this has been discussed in the past, and if so, I would appreciate it if you could direct me to a thread link...

Thank you!
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Old 07-22-2013, 03:17 PM   #2
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Quote:
Originally Posted by tmm99 View Post
Maybe this has been discussed in the past, and if so, I would appreciate it if you could direct me to a thread link...
Is a hybrid a good idea?
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