You might look into lowering your inflation protection (if you have it). If you have 5%compound, lower it to 3% compound, or 5% simple. If you have a policy with lifetime protection, lower it to 3-5 years of coverage. (If you have Alzheimers in your family, you might want it longer). Both these reductions will still offer you good coverage, and will lower your premium.
I have been selling LTCI for over 12 years, and I'm upset that Hancock has been allowed such increases (it's actually 44%) by the state of Florida.
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