Session speakers (panelists, coffee talk-ers, etc) are experts in hybrid life and LTC products, sold on the individual market and through the worksite. The speakers are moderated across a coffee table as they discuss hybrid life and LTC topics salient to insurers and new market entrants today: what is the latest product innovation, where do the risks lay, and what will the oncoming 'silver tsunami' mean for this product? Attendees will: - Discover and appreciate the niche that hybrid life and LTC products fill, and WHY the product is imperative today; - Take-away key innovations in the hybrid life and LTC market - Consider the demographic and macroeconomic trends (medicine, AI, caregiving) that will mold the future claims paid in this market.