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We fall into that middle group that has enough assets to need to protect them, but not so much that it won't matter if one of us needs nursing home care.

Yah, the middle ground is the worst case. It seemed to us questioning engineers that only a small percentage of people fall in that area.
Rich enough to be able to afford the premiums, but not rich enough to pay for the care themselves.

Troubling thing I've been reading is the premiums being increased. What happens if you've been paying for X years but then the premiums get jacked up and/or you can no longer afford the premiums? Do you lose everything?
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