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I am now in about the same spot as you were. I have also been considering the AARP MedLife LTC. Did you make comparisons with other companies? What sold you on AARP? I would be interested in know any additional information you might have on this.

Yes, I called various insurance companies, including, but not limited to State Farm, Aetna, etc. The only problem I had with them is the fact that all is want is simple coverage. I have no children and have now turned 55. I want coverage for assisted living rather than in-home care, and for nursing home care, for lifetime. MetLife through AARP is the best deal I found. The other companies did offer just nursing home/assisted care without inflation protection. The cost was $90-$105 per month. Until my condo is paid in full (in 4-1/2 years), I did not wish to have the inflation protection. With $3,300 per month coverage, plus the small Social Security checks each month, along with drawing income from investments without touching principal, I should be OK and comfortable. That way the corpus of my investments along with my two real estate holdings will still be there for my godson and goddaughter.

I may choose to add inflation protection down the road; however, right now, inflation is practically nil, and the extra expense is not warranted.

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