When I'm looking for a product, I first imagine how it would work. Then I search for it.
Often I find exactly what I imagined. Sometimes, however, it doesn't exist.
Today, in the third coming  of the Minnesota ice dam, I went looking for a replacement for our old attic stairs.
I imagine an integrated stair/insulation system. This would be a metal frame that would sit into our attic floor. It would hold traditional folding/sliding stairs. In addition it would have a "lid" atop the frame with a latch and a door lifter.
To enter the attic one would go up the stairs and then open the latch. The lid, sealed by high quality rubber seals, would open up with a slight push. The door lifters would keep it open. A string would be used to shut it.
A simple idea, but this crude system is the best I could find - Attic Stair Insulation Insulsure Attic Tent AT-2 Model. So we'll have to have something custom made for us.
If you're a bored manufacturer, you should be able to put this together in a few months and sell it next year. Please send me a link and I'll update this post.
 Third in my residence here. Prior bad years were 1997 and 2004, but 2010-2011 may be the worst of all.