Long-term care insurance includes traditional stand-alone policies that pay monthly benefits after a waiting period and require inability to perform two of six daily activities or cognitive impairment. Few insurers now offer these. Hybrid life-LTC policies combine life insurance with LTC benefits, allowing early access to death benefits for care, with fixed premiums and potential return-of-premium options but higher upfront costs. Annuities with LTC riders increase payouts during care events.