Long Term Care alternative

Long term care insurance premiums have continued to increase at a high rate industry wide.  An option to deter these increases is to purchase a life insurance policy with a long term care rider.  This will lock in your rates for the duration of the policy….10, 15, 20 years.   Qualifying for a long term claim is the same as a standard long term care policy.  No being able to perform 2 out of the the 6 daily activities