LTCI is:
1. Needed… there is a 53% chance you will need it

Married couples there is a 75% chance that one of the spouses will need it

2. The insurance is affordable…it is NOT too expensive. You can afford a the premium.

By sharing the risk the premiums are very affordable.

3. No one may ever be able to take care of your LTC needs…but you!

Don’t depend on the Government. They can’t afford it. Your family might not be able to take care of you. Medicaid or Medicare are going broke.