Hybrid LTC Overview Hybrid Long-Term Care Insurance When someone passes away suddenly, a conventional life insurance policy pays out the death premium to the beneficiaries. However, some laws have riders that allow you to use the death payout to help you financially while you are still alive....

What are the Benefits of Term Life Insurance? When it comes to providing an immediate estate for loved ones, following your death, term life insurance is one of the top options to explore. While term life insurance is not always the most effective form of life...