Do you need long-term care insurance?

[hegemony]

http://biz.yahoo.com/brn/070117/20838.html?.v=1

[sercfm]

Possibly the most irrresponsible article ever written? BTW, thos hybrid policies(actually long term care wrapped in a UL policy) are not for those looking for protection. They are actually for those with the money to self-insure but the intelligence to place the risk on someone else. The generally require a single payment of 100K or more depending on the benefit amount you wish to have available. If you use it for LTC great , if you don't money is left for your heirs, if you decide you no longer want the policy the money is generally refunded.