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He glory days of long-term-care insurance--designed to protect you from the cost of late-in-life health problems--may be a thing of the past, insurers have hiked up premiums for many policyholders in the past 18 months, All 50 States Insurance half.

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A dozen companies stopped selling new policies, and at least two exited the business entirely, still, some companies
are happy to sell traditional policies if you're willing to pay the freight, and an increasing number of insurers are mixing and matching long-term-care coverage All 50 States Insurance with other financial products to provide new options, the most common.

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Of the new twists involves long-term-care coverage with life or disability insurance, variations are all over the map, but a simple example might involve a $500,000 life insurance policy with supplemental long-term-care benefits, if you die without All 50 States Insurance needing long- term care, then your estate gets the full $500,000, but if you.

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Were to spend $100,000 for long-term care in the final All 50 States Insurance year of life, the death benefit would drop to $400,000, the combination policies address a primary concern with traditional long-term-care policies--that all those premiums disappear All 50 States Insurance if you don't need the care, the thought of paying thousands of dollars for coverage you might never need turns off a lot of potential customers, also, many combination policies All 50 States Insurance are single premium, which means you.

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Make one upfront payment for the insurance and don't worry about price hikes later.

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