I'm contemplating a hybrid product to address potential long-term care needs for my wife and me, rather than an out-right purchase of long-term care insurance. The only product I've reviewed in any depth is offered by Prudential, 5% base guarantee annually, guaranteed market daily-high locked in and (once annuitized) the annual benefit is doubled in the event I or my spouse are determined to need long-term care and remains doubled as long as the disability continues. I've also been told about a hybrid product from Lincoln MoneyGuard, although I haven't reviewed any details on that plan. I presume there are many variations to these products. Does anyone have any experience with these type products? Best and most flexible companies/plans?
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