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1. It's difficult to watch ourselves age. It's also difficult to
watch our parents age. It's even more difficult when it
comes to figuring out how to help them when the time
comes. This type of help can be anything from some
financial assistance, a few trips to the doctor's office, or
helping them find a long term care facility they - or you -
can afford. Perhaps you and your parents should have
considered buying some long term care insurance years
ago. But what is long term care insurance?

2. Long term care insurance is an excellent investment, no
matter what age you are when you buy your policy.
Unfortunately, too many of us ignore the fact that we are
going to get old someday, and we put off anything to do
with forcing us to deal with our own mortality. Until it's
almost too late.

3. And so we wait, usually until it's too late. By the time we
see that our spouse might be needing some rehab or
nursing services, the actual insurance premiums can be
prohibitive.

4. However, dollar for dollar, long term care insurance is one
of the most affordable insurances on the market in terms
of what you get for your money. This type of insurance
provides exactly what it promises - funds to pay for long
term care - whether in a medical facility such as a nursing
home, or even at home.

5. The policies can be customized to your needs, or at
least, what you think these needs might be. Even though
it's impossible to tell the future, you can always get a
good idea of what you should add to these policies simply
by understanding your family's medical history. If your
family has a history of coronary heart disease in their
50s, you should seriously consider the best possible
coverage if at all possible. In reality, you can't afford not
to.

6. Depending on the insurance company will depend of
course on your policy now, and what type of add ons and
options you are able to buy at later dates. For instance, if
your 62 year old husband is in a head on collision and you
find that he will need extensive long term care, you may
or may not be able to increase your policy to suit the
current situation.

7. In the end, you'll be glad to have this type of coverage
whether it's for your parents, or for yourself.

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