No. of Recommendations: 0
Right now, it would cost us $38 per month. At age 50 it would cost $75 per month, and at age 70 it would be $250. If we went into a nursing home at age 80, here's what we would have paid in premiums according to when LTC was bought:

That is assuming the insurance company does not raise your premium. The agent may say YOUR premuim can not rise BUT the company can raise the rates for everyone in your class. Generally that means someone your age or age bracket living in your state.

1. 38 is too young to buy.

2. LTC is devilishly hard to compare. Coverages vary from policy to policy.

3. Always get a minimum of three quotes. Remember price should not be the overriding issue. What is covered should be!

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