Don't let Dave Ramsey & Suzy Orman guide you into a mistake. Their approach is fine, if you are insurable when they advise you to take out a policy (both life & LTC). What if something happens to you before you take the policy out? With life insurance you may get rated or denied. But with LTC, you just get denied. It is either pass or fail with Long Term Care Insurance.
http://www.lifehappens.org/what-to-do-now-to-be-ready-for-tomorrows-reality/
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