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Hybrid insurance could be a good way to pay for long-term care costs

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Jamie Hopkins, a professor at the American College of Financial Services in Bryn Mawr, Pa., suggested in a recent Investment News article that hybrid products that combine long-term care coverage with an annuity or life insurance contract offer far greater flexibility to retirees than traditional long-term care insurance.

We asked him to expand on the topic for the benefit of Retirement Weekly subscribers. Below are his responses to our questions.