The long$-$term care industry has faced

numerous challenges in pricing and

management of product benefits over the

past decades, requiring a structural

redesign that has more heavily integrated

LTC benefits into traditional life

policies. The provision of such a hybrid

policy that would allow access to the

death benefit for purposes of LTC is

referred to as:

A Return of Premium

Accelerated Benefit

Extension of Benefits

Premature Distribution

Premium Utilization