It's a chilling statistic—you're farmore likely to become disabled thanyou are to die prematurely. Even so,life insurance is a big seller, whilelong-term care and disability insurancepolicies are not. Now there's anew breed of life insurance policythat provides more than just a deathbenefit. Known as multi-benefitinsurance, these policies not onlypay off when you die, but will giveyou cash if you become disabled orneed to be in a nursing home. disability and long-termcare payments may be capped at thepolicy's death benefit, which meansyou could outlive the benefit limits.These policies cost morethan standard life insurance, soprice out different options to see ifit's cheaper to buy separate long-termand disability policies.