Common Long-Term Care Insurance Objections

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I’m too old to get long-term care coverage.

• We have plans that will issue up to age 80

I’m too young. I’ll worry about it later.

• Plans are cheaper when you’re young

• The longer some plans stay in-force the larger your benefit is when you finally need it

Long-term care coverage is too expensive and the premiums can increase.

• There are plans available that guarantee not to increase your premium

• There are available plans for almost any budget

If I never use my insurance all of the money I paid into it is gone.

• There are many plans that have full return of premium at anytime

• Many plans offer a tax free death benefit if you pass away while your plan is in force