Who Should Buy Long Term Care Insurance?

State insurance laws require that all individual policies (life, health, long term care) be fully and medically underwritten. Your company must make a serious attempt to determine an insurance risk before it issues a long term care policy.

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Target Markets For Long Term Care Insurance

Insurers target their marketing of long term care insurance to people based upon fear or risk. Policies are not only sold to people for their own use, but also to their family members who fear that extended care will fall on their shoulders.

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Why Should You Buy Long Term Care Insurance?

You may want to buy long term care insurance because long term care itself is the biggest financial risk in retirement; long term care insurance gives you choices and relieves children from much of the financial and emotional stress of caring for you.

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