Given what happened to AIG, I'm not confident that I could pick an insurance company that would still be around in 30 or 40 years when I need to file a claim on the LTC policy.I'd rather take my chances on that than fly with no LTC at all.We fall into that middle group that has enough assets to need to protect them, but not so much that it won't matter if one of us needs nursing home care.The premiums are not prohibitive, and like all insurance, I hope to never need it, but I'd still prefer to have it.None of us has a crystal ball to know what will happen in the future, but we all make our best guesses and plan accordingly. For me, this is something I absolutely wanted to have in place, and I am not sorry that I did it.
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