Anna & Marty compare shared hybrid life/LTC plans with separate LTC plans for each of them. It's a matter of preference and goals. The LTC and death benefit are directly related, so plans with higher LTC benefits have larger death benefits.  The death benefit acts as a return of premium if care isn't needed. The key differences in shared and individual plans is who can use the LTC benefits and for how long, who can be beneficiary, and when does the death benefit pay? Listen and learn how these plans differ and what Anna and Marty decided. Schedule an initial free consultation View current and projected costs of care where you live Learn what your state's Medicaid system lets us keep and receive care  Estimate rates for 6 year plans with 3% inflation growth Many don't want a full 6 year benefit period, so please understand that smaller plans have lower rates.