Hybrid long term care policies are a combination of life insurance and long term care.  For a one time or multi year (5, 7 or 10) premium payment, you get a life insurance and long term care policy rolled into one.  The beauty of this type of policy is that the premium is fully refundable.  This policy can be used either as part of Medicaid planning or as a stand alone policy.

Pricing depends on age, sex, and health.  Please contact me for quotes.