Disability insurance helps protect your income in the event you become disabled. A disability can be short term or long term depending on the disability. You have to qualify for disability insurance however, the ability to replace income is important when you are unable to work.

Long Term Care helps cover cost when an individual experiences a change in health that requires long term care services. This policy can help when care is given in a variety of settings such as: your home, nursing home, assisted living facility and adult day care center. Most companies require you to be at least 40 years old and you have to qualify for this insurance. Nearly 70% of people over 65 years old will need long term care services at some point in time.

This is considered health insurance so the cost can increase over time with the stand alone product.

Long term care rider is a living benefit on a Life Insurance policy that lets you access a portion of the policy's death benefit every month to pay for long-term care expenses.

Long-term care riders on Life Insurance policies can be more affordable than standalone long-term care policies.

The cost is fixed because it is attached to your Life Insurance.