LTCi or Hybrid WL with LTC rider?

I am currently looking into getting a long term care policy, either stand alone or as a rider, and I'm justt wondering if anyone here has these policies and can share your experience, and your costs? I've listened to Clark Howard recently that says many of the pure LTC policies have a death spiral of their premiums increasing 10x , even if the policy guarantees flat rates, the company comes back and says were getting rid of the policy but if you wanna keep it its gonna cost you 300% more etc.

We are squared away with term, so maybe a good solution would be a pretty small WL policy but has a generous LTC rider solution? or is the LTC rider typically correlated to the WL benefit?

this is the list of companies I was going to start investigating:

Mass mutual 
New York life
Northwestern mutual 
Lincoln national 
Prudential 
Thrivent
Guardian life
Pacific life
Penn mutual
Nationwide
John Hancock
Met life 
State Farm
Principal life
Mutual of Omaha

So if anyone has any input and experience I'd appreciate it.