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No. of Recommendations: 2
My conclusion about LTC insurance is those who can afford it are rich enough to self insure, and those who are not that rich and buy LTC may be insuring that they run out of money before they die paying the premiums. I have seen and heard of so many horror stories where folks never realize the benefits they thought they were buying with LTC insurance that I wouldn't touch it.

Your milage may vary.
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