There are a lot of companies that offer life ...

There are a lot of companies that offer life insurance online. In addition to that, these companies are also offering new insurance products that will provide death benefit and long-term care benefit. Combination products or hybrid policies work this way, you invest your money in life insurance and you choose long term care benefit as your rider. This will help pay for your long-term care expenses and the remaining amount of money will be left to your beneficiaries. However, this policy is only beneficial to people who will need long-term care in a short period of time.

To those who are interested about these new products, here are some resources on how to find long term care insurance companies that are reliable and can pay for claims: http://www.ltcoptions.com/long-term-care-insurance/long-term-care-insurance-companies/

http://www.ltcsales.com/long-term-care-insurance-company-ratings.html

http://www.weissratings.com/news/news-briefs/weiss-ratings-recommended-long-term-care-insurers