Hybrid long term care is simply life insurance with access to the death benefit early if you get sick through a liquidity rider. However, liquidity riders come in two distinct types; Chronic Care Riders and Long Term Care Riders. For a good explanation review these two links:

Chronic Care vs. LTC Riders Talking Points (PDF)
White Paper-Linked Benefit vs Hybrid (PDF)
Hybrid LTC Request Form (PDF)
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