What Is A Hybrid Term Life Insurance Policy? 
Each company defines this differently however when I hear of a Hybrid Term Life Insurance Policy this means to me that there is a Living Benefits type addition to the policy such as Critical Illness or Long-term Care . Critical Illness means if you have a heart attack , stroke or cancer you may have access to your death benefit . Note that the definitions or type of illness covered will vary between companies so be sure to look at the details . Long-term Care usually means Chronic Illness . If you are diagnosed by a qualified doctor , and you can not perform 2 of the 6 activities of daily living such as transferring , eating , toileting , dressing , etc. then you may have access to the death benefit . The Key is access BEFORE you die . I hope that helps . Be sure to get an illustration and details to the policy before just filling out an application . 