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Once you've decided to buy long term care insurance, how do you know which company will still be around when you need to use the policy? Long Term Care insurance is in its infancy, as you said, and there is no track record to check. For example, Penn Treaty Network America has a good policy, but on the S&P ratings on the Internet I saw it rated D+. Other companies with less attractive policies had a C rating, but none had A or B. The Fool's advice columns on long term care these past few days neglected to show any financial ratings for the companies.

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