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Subject:  Re: Long Term Care Insurance Date:  2/26/2003  12:34 PM
Author:  LeoKam Number:  8374 of 20640

Carol, My wife and I signed up for LTC with John Hancock about 10 years ago. I have a heart condition and also am a diabetic. We were accepted without medical exams although my coverage in a nursing home is for a 6 year maximum because of the medical conditions. Also, my premiums are approx. $3000 higher than my wifes. I signed up for LTC because both of my parents ended up in a nusing home and I saw how fast the cost could esculate from year to year.

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