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When it comes to life insurance, there are many options that you can choose from which provide it with some versatility. One of the more popular versions is life insurance with long term care rider.

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Long Term Care Life Insurance:

Long term care is a rider added to your life insurance which provides the policy holder with coverage in case they are no longer able to take care of themselves. Typically, long term care life insurance will cover those who may suffer from debilitation due in part to their age such as Alzheimer’s, dementia or other conditions that prevents the individuals from taking care of themselves.

The trigger for activating the long term care rider can be caused by an accident, disease or the aging process. Basically, if the policy holder suffers from a condition that is covered by the rider, then they will receive a pre-determined benefit to be used in paying for their care.

Typically, a life insurance long term care rider will add little to no cost to the overall policy depending on its size because the benefits will come out of the premiums that are being paid instead of to the beneficiary if the policy holder should pass away.

Should I Purchase Life Insurance with Long Term Care Rider?

When it comes to using life insurance to pay for long term care, the experts are divided on the issue. This is because while death is a certainty which makes life insurance a necessity for many, the need for long term care is one that cannot be accurately predicted.

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While insurance coverage is based on demand, insurance premiums are based on statistics and long term care riders for life insurance are generally inexpensive because statistically they are seldom used. Most people will simply not need long term care or at least the type of care that falls within the coverage of this type of rider. So, it is fair to say that the majority of people will not need this type of coverage. However, there are exceptions to this general rule.

If you have a family history, particularly your parents for long term care for conditions, illnesses or diseases that are related to the aging process, then you might want to consider this type of rider. Also, if you are employed in a profession that exposes you to danger which might require long term care, you should also consider this type of rider.

Another advantage is that the extra money collected for the life insurance with long term care rider is not lost if never used. Instead, it is added to the benefits that are paid to the beneficiary. So, if the additional payment is very little to nothing, then you might want to consider adding it to your policy if you have other coverage that will provide financial relief to your beneficiary.

In the end, your decision to choose a long term care life insurance hybrid policy will depend on the overall cost, family history and the financial coverage you have for your loved ones. Be sure to take it all into consideration before you make your decision about long term care for your life insurance.


Meet Aaron H., a senior life insurance agent from California with 15+ years of experience. With a major in finance, excellent analytical and communication skills, and a passion for helping clients find personalized solutions, Aaron is a trusted advisor in the industry. He stays up-to-date on the latest trends and developments by attending webinars and workshops, reading industry blogs, and writing informative blog posts on this website. Aaron also has a keen understanding of SEO and online marketing, which he uses to help his clients reach a wider audience and get the coverage they need. He cherishes spending quality time with his wife, two children, and elder parents.