Getting older is a reality of life. And aging will come with costs, both during your life and after you have died. Fortunately, there are ways to prepare for these costs in advance so that you can better live your golden years with peace and security. There are multiple ways to prepare yourself and your family for these financial realities, though. In fact, there is one product that can help you get ready for both – hybrid long-term care insurance.
However, in the case of life insurance, the payout doesn't actually go to the policy holder; instead, it is paid to a beneficiary you name when you buy the policy. That said, there are policies, like whole life insurance, which will let you cash a portion of the plan while still alive. There are many different types of life insurance, and the type of policy you buy will determine when and how much money you and your beneficiaries ultimately receive.
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