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My Husband and I both have LTC insurance through John Hancock(since 2002). We based our decision to buy on the fact that we both had one parent who required Nursing Home care.

Our Policies also provide for in-home care, something my mother could use right now if we/she could afford it.

It is expensive, but it does give us some peace of mind - like all insurance.

If we never have to use it I won't be disappointed.

Pat
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