Notably, most / all
of the growth in the policy at those interest rates will likely be eroded by the
life and long - term care cost -
of - insurance charges, but hybrid
life / LTC policies typically provide a guarantee that no
matter what, the client's original $ 200,000 remains assured, liquid
and available without surrender charges or penalties (though withdrawals would
impact available amounts for claims,
and claims may affect the amounts available at surrender or
death as well).