My husband and I have Long Term Health Insurance since we were 52 years of age and we are almost 70 now and it has not gone up one penny. When I had hip replacement surgery many years ago they were going to send over a nurse to help me for awhile ant no charge, but I was doing good and rejected it. I think it is a good policy to have as you'll never know when you will need it. By our taking it out before 55 years of age we got a great premium and the company is very nice to deal with.
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