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The questions about liquidity and health shocks raised by Reichling and Smetters may show the need for a different type of insurance product, argues Michael Kitces, partner and director of research for Maryland-based Pinnacle Advisory Group. "To me, the paper points to the value of pairing an annuity with a long-term care insurance policy," Kitces says. "A hybrid SPIA and long-term care product could be interesting."