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>>Also I am interested in LTC insurance even though I am only 55 and my wife 53.<<


It is my understanding that, in general, the best time to purchase a LTC policy is at the age of 54, because rates tend to increase more at 55. If you buy earlier than that, your rates will be less expensive, but you will be paying for longer, thus cancelling out that savings. Likewise, if you wait longer, the rates will increase dramatically. Health problems will affect your rate. My quote was a the company's "best rate", but my husband's was not because he has high cholesterol. Just what I've learned.

Aloha from Maui!

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