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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 All 50 States Insurance hiked up premiums for many policyholders in the past.

18 months, half 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 All 50 States Insurance are mixing and matching long-term-care coverage with other financial products to provide new options, the most.

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Common of the new twists involves long-term-care coverage All 50 States Insurance 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, All 50 States Insurance if you die without needing long- term care, then your estate gets the full $500,000, but.

If you were to spend $100,000 for long-term care in the final year of life, the death benefit would drop to $400,000, All 50 States Insurance the combination policies address a primary concern with traditional long-term-care policies--that all those premiums disappear if.

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You don't need the care, the thought of paying thousands All 50 States Insurance of dollars for coverage you might never need turns off a lot of potential customers, also, many.

Combination policies are single premium, which means you make one upfront payment for the insurance and don't worry about All 50 States Insurance price hikes later.

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