When To Buy Long Term Care Insurance (LTC 101)

I Will Never BE

In a Nursing

Home

Many of our clients originally told us they would never buy a long-term care policy because they were never going to a nursing home. We quickly tell them that a good long-term care policy may be the only thing that keeps them out of a nursing home -this is by providing many other choices such as home health care and assisted living.

Long Term Care Insurance

When to buy

The younger and healthier you are, the less premium you will pay over the course of your lifetime. For example, if three people, ages 50, 70 and 80 purchase the exact same coverage, and they live to age 90, they would pay:

AGE	ANNUAL PREMIUM	PREMIUM PAID UNTIL AGE 90
50	$555	$22,200
70	$1863	$37,260
80	$5165	$51,650

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