[hotrodgirl]

I finally got one at age 58 at the urging of both my attorney and financial advisor. I got a 4% inflation rider and 90 day elimination period. My policy is through Genworth. I was also worried about premium increases, but it was explained to me that when policies were first underwritten many years ago, they did not account for the increased rise in population of the baby boomers. Now, of course, that is more built in so while there may be an increase in the future, it will not be out of reach. I liked the fact that I can have in home care and my choice of rehab, assisted living, etc. I certainly don't wish to be a burden on my family, and feel this is a good choice for me. It will leave me financially sound and able to choose my care.