Case Design: Term/UL Layer with a Pinch of LTC

Hello,

May I ask for some expertise guidance?

Female, age 60
5'1 / 115lb
Meds: 10 mg Bentyl for mild IBS (Non-smoker)
Knee replacement 2008
Select-Non-smoker

Seeking $300,000 life insurance & LTC (preferably $200/day for 2 or 3 years)

Background: She would prefer to have full GUL for $300k and Full LTC for the benefit amounts above BUT her budget can't afford it. So, I was looking at layering 25yr term $200k with 100k GUL WITH a gul that offers a chronic illness rider. I realize the benefit of such a rider is no substitution for a good LTC plan, so I am hoping you all can chim
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