How does a 1035 exchange work to add LTC benefits to my life insurance policy?

Do you own a life insurance policy that has built cash value over the years, and now your need for that coverage has lessened as your net worth and liquid assets have grown? Listen and learn how you can 1035 exchange that plan for one that also includes LTC coverage. If you never need extended care, a death benefit goes back to your estate, and the premiums are guaranteed to never increase