[bandsdavis]

We have had LTC insurance thru Mutual of Omaha for about 8 years. Our premiums have never gone up, but the amount of coverage we have has increased each year by 5%. Our policies also coordinate so if one of us needs the coverage but the other does not, that person can use the coverage of the other one as well as their own. Our financial adviser, who we started using after getting the LTC, thinks it's a great plan. He has no affiliation with Mutual of Omaha. Everyone's needs are different but we are very pleased with this plan. And it gives us peace of mind if nothing else. Almost every form of insurance is a waste of money if you don't have a claim. The question is are you solvent enough to afford long term care assistance on your own. Whether or not you will need it cannot be accurately predicted. PM me and I can share more details if you would like.

B.