Long Term Care Insurance is essential protection for your retirement. Most clients end up looking at a “Hybrid Long Term Care Policy” of some sort, instead of a traditional policy. The Hybrid LTC option gives increased flexibility and benefits. Essentially, it combines both LTC Insurance and Life Insurance in one single product. It provides LTC benefits, but also provides a Cash Value and a Death Benefit. This setup guarantees premiums will be used and provide benefits of some kind. It also locks you into a level premium that never increases.