What Is Hybrid Life Insurance? 
Generally speaking , hybrid life insurance products combine two types of life insurance coverage into one product . When many people hear the word hybrid life insurance , they think of Term , Whole or Universal Life products combined with long term care type benefits . But there are other type of hybrid products that have gained popularity these days . Universal Life that is combined with Term is a hot seller due to its increased flexibility and ability to be offered to older ages . Also , a new Term product on the market offers Term life combined with Accidental Death benefits with no exam , at very reasonable prices and issued within days . Then after the exam is taken the entire policy can be changed to regular life insurance , if desired . For information about hybrid products , it is a good idea to call the agency selling them to get more details . 