Curious if there is a clear front runner when it comes to hybrid policies? Have a 61 year old male client who needs to pick up some additional life coverage for the next 10 years and he's also somewhat concerned about having some benefit for LTC just in case. Looked at Lincoln Moneyguard, but that is mostly LTC and not much DB. Any recommendations for something that leans more toward DB with a small amount of LTC available? Looking for DB of at least $300,000. He qualifies for standard / standard plus as of earlier this year when he replaced an expiring term policy. Wondering if it isn't just best to get another 10 year term policy and a small stand alone LTC policy. Thoughts? Any help or guidance is appreciated.