Life is long and there is a good chance that as you get older you'll need some help taking care of yourself and your personal needs. Unfortunately, getting the kind of care you need can be expensive and many Americans simply won't be able to afford it. Luckily, there is a product that you can pay into now that will be there for you down the road – long-term care insurance.
This means that if one partner ends up using all of their benefits before the other partner has, the first partner can start dipping into the other pool of money. Additionally, if one partner dies before the other, the living partner gets to use all unused benefits from the partner who died.Survivorship benefits riderThis is another rider that can be a good deal for married couples.