Do you have Long Term Care insurance? There are a new class of products now that can cover you if you get sick but if you never use it the benefit will still payout to your heirs. They have also fixed some of the problems with the old products by guaranteeing the premiums and when you go on claim you just get a monthly check without having to fight with the insurance company on what is covered. It also pays the full benefit even if you are still living at home. I can put some options together for you and we can set up a short call to see if it would enhance your financial plan.
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