With the cost of long-term care skyrocketing, are insurance and/or annuity riders a smart way to cover those costs ahead of time? For example, one way to avoid spending a lot of money directly on a long-term-care policy while still getting its benefits is to buy an insurance policy with a long-term-care rider. Is that a viable option? Are policies with riders attached the best way to go to cover LTC costs? Why or why not? Is there a better way to go than the “rider” approach? Requirements: Insurance experts, long term care insurance experts, financial experts, LTC insurance customers.