LTC insurance is marketed to individuals as a planning tool. It's the type of insurance you hope you never have to use. This insurance is similar to auto insurance, where you pay for protect against possible injury or damage. It's an investment that helps you hold on to your fortune once you enter into a long term care facility. LTC pays for nursing homes and rehabilitation facility expenses most people don't consider will ever happen to them.

Current Market Situation over 65 Years of age 1999

The Pie Chart above shows how many Million Americans over the age of 65. It also shows the living arrangements for Americans to date.

In the next thirty years, 20 % of the population will be over 65 years of age, due t

Insurance companies show what someone would pay by not having LTC insurance. They also use the words like "What intelligent buyers need to know", making you feel stupid if you don't buy. However if you can afford the premiums, purchasing LTC insurance would be a wise investment. Buying LTC in your fifties will offset increase premium cost as you get older.

 Excellent premiums if you buy in your early fifties. To date, many of the baby boomers are past 50 and have not taken the advantage of these low cost premiums.

 Take advantage of inflationary policies.

 Cheap enough is you buy early to put both husband and wife on separate policies.

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