To really get a handle on when to buy long term care insurance, do this: start thinking about it well before you actually need it. Seriously, waiting until you’re already facing health issues is like trying to buy flood insurance when your basement is already underwater – it’s often too late, or incredibly expensive. This type of planning isn’t just about money. it’s about protecting your choices, your dignity, and your family from a huge financial and emotional burden down the road. It’s a big piece of the puzzle for a secure future, right up there with your Retirement Planning Books and Estate Planning Kits.

When we talk about long-term care, we’re not just talking about nursing homes, though that’s certainly part of it. It’s about help with everyday tasks if you become unable to do them yourself, whether that’s in your own home, an assisted living facility, or a nursing home. And those costs can add up fast. Ignoring this potential expense won’t make it disappear. it just shifts the burden onto your loved ones or forces you to deplete your hard-earned savings. The goal here is to make an informed decision at the right time so you can lock in better rates and ensure you’re covered when it truly matters, giving you and your family invaluable peace of mind.

Table of Contents

Why Even Think About Long-Term Care Insurance?

why is this even a conversation? Most folks assume their regular health insurance or even Medicare will cover them if they need help with daily living activities later in life. That’s a common, and unfortunately, very costly misconception.

The Real Cost of Care

Let’s talk numbers, because that’s usually what makes people sit up and pay attention. Long-term care costs are no joke. They vary a lot based on where you live, the type of care you need, and how long you need it, but they are substantial. For instance, the median monthly cost for a home health aide was around $6,292 in 2023, and that’s for about 44 hours per week. If you’re looking at an assisted living facility, you might be paying around $5,350 per month. And a private room in a nursing home? That could set you back about $9,733 a month – sometimes even more than $18,700 a month in places like Alaska! Imagine paying that out of pocket for months, or even years. It can quickly wipe out a lifetime of savings. This is why having tools like Caregiving Cost Calculators or detailed Financial Planning Software can be incredibly eye-opening when you’re trying to figure out your potential needs.

The U.S. Department of Health and Human Services estimates that about 70% of people over age 65 will need some form of long-term care during their lives. That’s a huge number! And the average duration isn’t a quick fix either: women typically need care for about 3.7 years, and men for 2.2 years. These aren’t just statistics. these are real-life situations that could impact you or someone you love.

What Medicare and Regular Health Insurance Won’t Cover

Here’s another big misconception: “Medicare will take care of it.” Nope. Not for long-term care. Medicare generally only covers short-term stays in skilled nursing facilities or limited home healthcare if it’s considered medical care. We’re talking about things like physical therapy after a hospital stay, not ongoing help with bathing, dressing, or eating, which is called custodial care. Understanding Labubu Releases: The Hype Cycle

Private health insurance is similar. it’s designed for medical treatments, not for extended custodial care. So, if you’re picturing your health plan covering years of assistance, you’re likely in for a rude awakening. Medicaid does cover long-term care for low-income individuals, but only after you’ve “spent down” most of your assets to meet their strict eligibility requirements. Nobody wants to intentionally drain their savings and assets just to qualify for government assistance, especially if they’re married and risk leaving their spouse with nothing. Long-term care insurance steps in to fill this critical gap, helping you protect your assets and maintain control over where and how you receive care.

The Sweet Spot: When is the Best Time to Buy?

This is the million-dollar question, right? Or, more accurately, the several-thousand-dollars-a-year question. While you can generally purchase long-term care insurance up to about age 79, there’s definitely a “sweet spot” that financial pros and insurance experts often talk about.

The Magic Age: Mid-50s to Early 60s

Most experts agree that the ideal time to buy long-term care insurance is when you’re in your mid-50s to early 60s. Some even pinpoint it closer to age 57. Why this age range? It’s a balancing act between locking in lower premiums and not paying for coverage for an excessively long time before you might need it.

For example, the American Association for Long-Term Care Insurance AALTCI suggests that the best age to buy is in your mid-50s. If you purchase a policy at age 55, a single male might pay an average annual premium of $950, and a single female around $1,500, for a policy with $165,000 in benefits. Jump ahead to age 60, and those premiums rise to $1,200 for a male and $1,900 for a female. The increases just keep getting steeper after that. For couples, buying a policy together at age 55 can cost around $2,080 annually. These numbers really show you the financial benefit of acting sooner rather than later. For more in-depth planning, you might want to check out some Financial Planning Guides to see how these costs fit into your overall picture.

When to Buy Lottery Tickets for the Best Experience (and Realistic Chances!)

Why Buying Early Saves You Money

It’s pretty simple: the younger and healthier you are when you apply, the lower your premiums will be. Think of it like this: insurance companies see you as less of a risk when you’re younger, so they charge you less. Once you secure a policy, your premiums are typically locked in at the age you bought it, so they don’t just go up every year just because you’re getting older.

While it might feel like you’re paying premiums for a long time if you buy in your 50s and don’t need care until your 70s or 80s, the total amount you pay over the years is often less than if you wait and face significantly higher annual premiums. Waiting until age 65 could mean your premiums are nearly double what they would have been at 55.

The Health Qualification Hurdle

Beyond cost, there’s another crucial reason to buy when you’re younger: your health. Long-term care insurance isn’t guaranteed issue. you have to health qualify for it. Insurers will look at your medical history, and if you have pre-existing conditions or a family history of certain illnesses, you could be denied coverage or face much higher rates.

The denial rate for policies increases significantly with age. For people between 60 and 64, about 30% are declined. That jumps to 38% for ages 65-69, and a whopping 47% for those in the 70-74 bracket. If you wait until you start noticing health concerns, it might be too late. As one expert put it, “your money pays for long-term care insurance – but your health buys it.”

Factors That Really Impact Your Premiums

Understanding what goes into the cost of long-term care insurance can help you make smart choices. It’s not just a one-size-fits-all price tag. several factors are at play. You might find it useful to compare options using Insurance Comparison Tools to see how these factors affect your potential costs.

When to Buy Kansas Preference Points: Your Ultimate Guide

Your Age It’s a Big One!

We’ve touched on this, but it bears repeating: your age at purchase is the single largest factor influencing your premium. The older you are, the higher the risk for the insurance company, and thus, the higher your premiums. For example, a 60-year-old man might pay about $1,200 annually, while a 70-year-old man could pay between $2,075 and $4,515 per year for similar coverage.

Your Health Status Health Buys It, Money Pays For It

This is probably the second most important factor. Insurers will ask detailed questions about your health, family medical history, current prescriptions, and might even request medical records or an in-person assessment. The healthier you are, the better your chances of getting approved and qualifying for preferred health rates, which are the best possible rates. Conditions like Alzheimer’s, Parkinson’s, or a history of strokes can lead to automatic denials or significantly higher costs.

Gender Differences

Historically, women tend to pay higher premiums for long-term care insurance than men. This isn’t unfair. it’s based on statistics. Women generally live longer than men and, as a result, are more likely to need long-term care for a longer period. For instance, a 60-year-old woman might pay around $1,900 annually compared to $1,200 for a man of the same age.

Marital Status Perks

Good news for couples! Many insurers offer discounts for married couples or partners who purchase policies together. This can result in a combined annual premium that’s lower than what two individuals would pay separately. When to Buy Insurance for Your New Car: Your Ultimate Guide

Coverage Amount and Duration

This one’s pretty straightforward: the more coverage you want, the more you’ll pay. This includes:

Daily or Monthly Benefit: This is the maximum amount the policy will pay out per day or month for covered services. You’ll want to research care costs in your area to determine an appropriate amount.
Benefit Period: How long the policy will pay benefits e.g., 2 years, 5 years, or even a lifetime max. Longer benefit periods mean higher premiums.

The Elimination Period Your Deductible in Time

Think of the elimination period as a deductible, but measured in time instead of money. It’s the waiting period between when you become eligible for benefits and when the insurance company actually starts paying. Common elimination periods range from 0 to 365 days, with 90 days being pretty standard. Choosing a longer elimination period can lower your premiums, but it also means you’ll be responsible for covering care costs out of your own pocket for that initial period. It’s a balance between saving on premiums and being prepared for upfront costs. Having some Emergency Savings Guides might help you plan for this.

Inflation Protection: Don’t Skip This!

Care costs tend to rise over time, just like everything else. Adding inflation protection to your policy is a smart move that ensures your benefits keep pace with these rising costs. Most policies offer riders for automatic benefit increases, often at 3% or 5% compounded annually. While this will increase your premium, it’s crucial for making sure your policy remains effective decades from now. Otherwise, the benefit amount you lock in today might not cover much of the care costs in the future.

Traditional vs. Hybrid Policies: Which One Fits You?

When you’re looking into long-term care insurance, you’ll generally come across two main types of policies: traditional and hybrid. Each has its own set of pros and cons, and the best choice really depends on your personal situation, financial goals, and comfort level with risk. For more details on these, some Insurance Planning Guides can provide additional clarity.

When to Buy an iPad: Your Ultimate Guide to Smart Shopping

Traditional Long-Term Care Insurance

Traditional long-term care LTC insurance is a standalone policy, meaning its sole purpose is to cover long-term care expenses. You pay regular premiums, and if you need eligible long-term care services like home care, assisted living, or nursing home care, the policy reimburses you for those costs up to your daily or monthly benefit limit.

Pros:

Lower Initial Premiums: Generally, traditional policies tend to have lower initial premiums compared to hybrid options, making them more accessible if you don’t have a large lump sum to invest upfront.
More Robust Coverage: Because they’re dedicated solely to LTC, these policies often offer more comprehensive and flexible coverage options for long-term care needs.

Cons:

“Use It or Lose It” Perception: If you never end up needing long-term care, you won’t get any money back from the premiums you paid. This is often the biggest hesitation for people.
Premiums Can Increase: Traditional LTC premiums are not always guaranteed and can increase over time, especially if the insurer experiences higher-than-expected claims across its policyholders.

Hybrid Life Insurance with LTC Rider

Hybrid policies combine long-term care coverage with another type of insurance, most commonly life insurance. With these policies, you get long-term care benefits if you need them, but if you don’t use all or any of the LTC benefits, there’s still a death benefit paid out to your beneficiaries.

Guaranteed Benefit: The “use it or lose it” concern is largely eliminated. You either use the funds for long-term care or your beneficiaries receive a death benefit. When to Buy Holiday Flights: Your Ultimate Guide to Scoring the Best Deals
Stable Premiums: Many hybrid policies come with guaranteed premiums often paid as a lump sum or over a limited period, like 10-20 years, so you don’t have to worry about them increasing.
Simplified Underwriting: Some hybrid policies might have more lenient health underwriting requirements, making them potentially easier to qualify for, especially if your health isn’t perfect.
Higher Initial Cost: Hybrid policies typically require a larger upfront payment or higher annual premiums for the same level of long-term care benefits compared to traditional policies.
Potentially Less Robust LTC Coverage: The long-term care benefits might be less comprehensive or have more limitations than a dedicated traditional LTC policy.

Hybrid Annuity with LTC Rider

Another type of hybrid policy combines an annuity with long-term care benefits. You invest a lump sum into an annuity, and if you need long-term care, you can access an enhanced payout from the annuity to cover those costs. If you don’t need care, the annuity provides a guaranteed income stream in retirement or a death benefit to your heirs. When to Buy a High Chair for Your Baby: Your Ultimate Guide

Dual Purpose: Like life insurance hybrids, these policies ensure your money serves a purpose whether or not you need long-term care.
Less Stringent Underwriting: Often have more relaxed medical underwriting, which can be a plus for those with existing health issues.
Significant Upfront Investment: Requires a substantial lump sum payment to fund the annuity.
Lack of Liquidity: Your funds are typically tied up in the annuity, and early withdrawals can incur penalties.

Making the Choice

The decision between traditional and hybrid ultimately boils down to your priorities. If you want the most dedicated and potentially flexible long-term care coverage and are comfortable with the “use it or lose it” aspect and potential premium increases, a traditional policy might be for you. If you value the guarantee of a payout either for care or as a death benefit and stable premiums, even at a higher initial cost, a hybrid policy could be a better fit. Many people find value in exploring Life Insurance Explained Books to understand the full scope of benefits and how they can be combined. When’s the Best Time to Snag Those New Golf Clubs? Your Ultimate Guide!

How to Buy Long Term Care Insurance and What to Expect

Once you’ve decided long-term care insurance is something you want to explore, knowing the process can help you feel more prepared. It’s not like buying a new gadget. it involves a bit more digging.

Finding a Professional

My first piece of advice: don’t go it alone. This isn’t a simple comparison shopping task. The policies are complex, and the market has changed over the years. Look for a licensed insurance professional or a specialist who focuses specifically on long-term care planning. They can help you:

Assess your individual needs, health, family history, and financial situation.
Compare different policy types traditional vs. hybrid and options from multiple carriers.
Design a policy that fits your budget and specific coverage goals.
Navigate the application and underwriting process.

You can usually find qualified professionals through industry associations or by asking for referrals from financial advisors who aren’t tied to a single insurance company. Using services that offer Comparison Quotes can also be a good starting point.

The Application and Underwriting Process

Applying for long-term care insurance involves more than just filling out a form. Here’s a general idea of what to expect: When to buy flights to europe

Initial Interview: You’ll typically have an interview with the insurance professional, who will ask questions about your health, finances, family health history, and what kind of coverage you’re looking for.
Health Questionnaire: You’ll complete a detailed health questionnaire. Be honest and thorough. any discrepancies could cause issues later.
Medical Records Review: The insurer will usually request your medical records from your doctors. This is a standard part of the process to verify your health history.
Phone or In-Person Assessment: Depending on your age and health, you might have a phone interview with a nurse, or even a face-to-face cognitive and physical assessment. They might ask you to perform simple tasks or take mental acuity tests.
Underwriting Decision: An underwriter reviews all the gathered information to assess your risk. They decide whether to approve your application and at what premium rate. This process can take several weeks.

It’s really important to be prepared and communicate with your doctors to ensure they respond promptly to requests for medical records.

Comparing Policies Beyond Just Price

When you’re looking at different policies, don’t just focus on the premium. You’ll want to dig into the details:

Financial Strength of the Insurer: This is huge. You’re buying a policy that might not pay out for decades, so you need to be sure the company will still be around and financially sound when you need them. Check ratings from agencies like A.M. Best, Moody’s, and Standard & Poor’s.
Benefit Triggers: Understand when the policy will start paying out. More on this in the next section!
Elimination Period: How long is the waiting period before benefits begin?
Daily/Monthly Benefit Amount and Duration: Does it align with the actual cost of care in your area? How long will the benefits last?
Inflation Protection: Is it included, and at what rate? This is crucial for long-term value.
Flexibility and Riders: Can you adjust benefits over time? Are there options like shared care for couples, or a return of premium rider?

Remember, the goal is to find a policy that genuinely meets your anticipated needs and fits your budget, providing the security you need. For a deeper understanding of policy features, you might consult some Consumer Guides to Insurance.

When Does Long Term Care Insurance Kick In? Benefit Triggers

Knowing when your long-term care insurance benefits actually start paying out is just as important as knowing when to buy the policy. This isn’t like car insurance where a fender bender triggers a claim. Long-term care policies have specific criteria, often called “benefit triggers.”

The good news is that policies sold today are usually “tax-qualified,” meaning their benefits are typically received income tax-free, and they generally have standardized triggers. When to Buy Daffodil Bulbs: Your Ultimate Guide to Cheerful Spring Blooms

Activities of Daily Living ADLs

The most common benefit trigger is the inability to perform a certain number of Activities of Daily Living ADLs without assistance or supervision. Most policies require you to be unable to perform at least two out of six common ADLs for a period of 90 days or longer. These six ADLs include:

Bathing: Getting in and out of a bath or shower, and washing yourself.
Continence: Controlling your bladder and bowel movements.
Dressing: Choosing appropriate clothes and putting them on.
Eating: Getting food into your body.
Toileting: Getting on and off the toilet and managing personal hygiene.
Transferring: Moving in and out of a bed, chair, or wheelchair.

It’s important to understand the specifics of your policy, as some might require an inability to perform three ADLs, or have particular definitions for what “unable” means for each activity. Finding resources like Elder Care Resources can help you understand these ADLs in a practical sense.

Cognitive Impairment

Another key benefit trigger is a severe cognitive impairment, such as Alzheimer’s disease or other forms of dementia. If a cognitive impairment makes it unsafe or impossible for you to live independently, your benefits would typically be triggered. This often involves needing supervision due to a risk to yourself or others, like wandering away from home.

It’s worth noting that while older policies might have included a “medical necessity” trigger or required prior hospitalization, policies sold today generally do not require a hospital stay for benefits to kick in. Understanding Call Options

The Elimination Period Revisited

Even after a benefit trigger is met, remember that your policy’s elimination period still applies. This means you’ll typically pay for your care out of pocket during this waiting period e.g., 30, 60, or 90 days before the insurance company starts reimbursing you. Once the elimination period is satisfied, and as long as you continue to meet the benefit triggers and receive eligible care, your policy will pay out up to its daily/monthly limit and lifetime maximum. Some policies even offer a waiver of elimination period for home care.

What if You Wait Too Long? The Risks of Delaying

I know, it’s easy to put off planning for things that feel far off. But with long-term care insurance, delaying can have some pretty significant downsides that could impact your financial security and care options later in life.

Higher Premiums, Less Coverage

The most immediate and obvious consequence of waiting is that you’ll pay more. As we saw, the cost of premiums rises steadily with age. Waiting ten years from age 55 to 65 could mean your premiums almost double. This isn’t just a small bump. it’s a substantial increase that could make the coverage much less affordable, or force you to choose less comprehensive benefits to keep the premiums manageable. You might end up getting a policy with a shorter benefit period or a lower daily payout, meaning it covers less of your potential future costs.

Health Declines and Denial

This is perhaps the biggest risk of all. Long-term care insurance is medically underwritten. As you get older, your chances of developing health conditions increase significantly. If you develop a chronic illness, a cognitive impairment, or a severe health issue before applying, you could face:

Higher Premiums: If you’re approved, your existing health conditions might place you in a “substandard” health class, meaning much higher premiums.
Limited Coverage: Insurers might exclude coverage for conditions you already have.
Outright Denial: If your health conditions are severe enough, you could be denied coverage altogether.

As noted earlier, denial rates jump dramatically after age 60, with nearly half of applicants in their early 70s being turned away. If you can’t get coverage, you’re left with fewer options and could face the full burden of care costs yourself. When to Buy Baby Stuff: Your Ultimate Timeline & Smart Shopping Guide

The Cost of Being Uninsured

If you don’t have long-term care insurance and end up needing care, you’ll be on the hook for those astronomical costs. This means:

Draining Your Savings: You’d have to use your retirement savings, investments, or other assets to pay for care. This can quickly deplete your nest egg, leaving less for your spouse, children, or other retirement goals.
Burdening Your Family: Without insurance, the financial and emotional stress of providing or coordinating care often falls heavily on family members. They might have to take time off work, dip into their own savings, or make difficult decisions about your care.
Limited Choices: If you deplete your assets and rely on Medicaid, your choices for care facilities and services will be much more limited. Private pay often offers more flexibility and quality options.

Thinking about these possibilities can be tough, but it’s crucial for making a proactive decision. Preparing now with things like Elder Care Planning Resources can make a huge difference later.

Alternatives to Long-Term Care Insurance

Long-term care insurance isn’t the only way to plan for future care needs, and it’s certainly not for everyone. Depending on your financial situation, health, and risk tolerance, other strategies might be a better fit. It’s a good idea to consider these options when doing your Financial Freedom Books research.

When to Buy a New Mattress: Your Ultimate Guide to Better Sleep

Self-Funding with Savings

If you have substantial assets and income, you might choose to self-insure. This means you earmark a portion of your savings or investments specifically to cover potential long-term care costs.

Flexibility: You have complete control over your money and how it’s used.
No Premiums: You avoid paying ongoing insurance premiums.
Requires Significant Wealth: To realistically self-insure, you need enough wealth to comfortably cover potentially years of high care costs without jeopardizing your other retirement goals. Some suggest needing at least $1 million in liquid assets.
Investment Risk: The money you set aside is subject to market fluctuations, and there’s a risk it might not grow enough or could shrink when you need it. The Ultimate Guide to Buying Your Next Car
Depletion Risk: There’s always the risk that care costs could exceed your earmarked savings, forcing you to use other assets.

Health Savings Accounts HSAs

If you have a high-deductible health plan, an HSA can be a great, tax-advantaged way to save for medical and long-term care expenses. Contributions are tax-deductible, the funds grow tax-free, and qualified withdrawals including for long-term care services are tax-free.

Triple Tax Advantage: Tax-deductible contributions, tax-free growth, tax-free withdrawals for qualified expenses.
Rolls Over: Unlike Flexible Spending Accounts FSAs, HSA funds roll over year after year.
Versatile: Can be used for current medical expenses or saved for future long-term care needs. AppSumo’s Remote Control: Lessons from World Class Experts & Entrepreneurs Review
High-Deductible Requirement: You must have an HSA-eligible high-deductible health plan to contribute.
Contribution Limits: There are annual limits to how much you can contribute.
Not a Full LTC Solution: While excellent for saving, an HSA alone might not cover the entirety of long-term care costs, especially if they are extensive.

Annuities with LTC Riders

As mentioned earlier, some annuities can be structured with long-term care riders. You pay a lump sum into an annuity, which then provides an income stream. If you need long-term care, the rider can significantly boost that income to cover expenses.

Guaranteed Income: Provides a guaranteed income stream, whether for care or general retirement living.
Less Stringent Underwriting: Often easier to qualify for than traditional LTC insurance.
Lump Sum Required: You need a large sum of money upfront to purchase the annuity.
Lack of Liquidity: Funds are tied up, and early withdrawals can incur penalties.
Inflation Risk: Ensure the annuity includes inflation protection, or the payout might not keep up with rising care costs.

Short-Term Care Insurance

Short-term care insurance covers similar types of care as long-term care policies but for a much shorter duration, usually a year or less.

Lower Premiums: Generally less expensive than traditional LTC policies.
Easier to Qualify: Often has less strict underwriting requirements.
Fills Gaps: Can be used to cover care during the elimination period of a traditional LTC policy.
Limited Coverage: Won’t provide sufficient coverage for extended care needs which, as we know, average 2-3 years.
May Not Be Cost-Effective: For short durations, saving money directly might be more effective than paying premiums year after year.

Government Programs Medicaid

Medicaid is a joint federal and state program that provides health coverage to low-income individuals, including long-term care services.

Safety Net: Provides essential care for those who truly cannot afford it.
Asset Spend-Down: To qualify, you typically must “spend down” most of your assets to very low levels. This means you lose control over your wealth.
Limited Choices: Medicaid often restricts your choices of care providers and facilities.
Estate Recovery: States can seek to recover Medicaid long-term care costs from your estate after you pass away.

Each of these alternatives has its place, and sometimes a combination of strategies works best. It’s truly a personal decision that should align with your financial situation and retirement goals.

Frequently Asked Questions

What is the absolute best age to buy long term care insurance?

The consensus among experts is that the “sweet spot” to buy long-term care insurance is between your mid-50s and early 60s, often cited as around age 57. This age range balances locking in more affordable premiums as rates increase significantly with age and being healthy enough to qualify for coverage, while not paying premiums for an excessively long time before benefits are typically needed.

Can I buy long term care insurance online?

While you can often start the process of researching and getting quotes for long-term care insurance online, the actual purchase and application process usually involves working with a licensed insurance professional. This is because long-term care insurance is complex and requires detailed health underwriting, which often includes phone interviews or in-person assessments, and a thorough review of medical records. An online questionnaire might be a starting point, but a specialist will guide you through the full application.

When does long term care insurance typically start paying out?

Long-term care insurance benefits typically start paying out after two main conditions are met: first, you must meet the policy’s “benefit triggers,” which usually involve being unable to perform at least two out of six Activities of Daily Living ADLs or having a severe cognitive impairment. Second, you must satisfy your policy’s “elimination period,” which is a waiting period like a deductible in time, often 90 days during which you pay for care out of pocket before the insurance benefits begin.

Are there specific health conditions that prevent me from getting long term care insurance?

Yes, certain health conditions can make it difficult or impossible to qualify for long-term care insurance. Since policies are medically underwritten, insurers will assess your current health and medical history. Conditions like Alzheimer’s disease, Parkinson’s disease, a history of strokes, or significant mobility issues often lead to automatic denials. Even less severe conditions can result in higher premiums or limitations on coverage. This is a primary reason why applying when you are younger and healthier is strongly recommended.

Is long term care insurance a “use it or lose it” product?

Traditional long-term care insurance policies are often perceived as “use it or lose it” because if you pay premiums for years and never need long-term care, those premiums are not returned. However, increasingly popular “hybrid” policies combine long-term care coverage with life insurance or an annuity. With hybrid policies, if you don’t use the long-term care benefits, a death benefit is paid to your beneficiaries, or a cash value remains, addressing the “use it or lose it” concern.

0.0

0.0 out of 5 stars (based on 0 reviews)

Excellent0%

Very good0%

Average0%

Poor0%

Terrible0%

There are no reviews yet. Be the first one to write one.

Amazon.com: Check Amazon for When to Buy
Latest Discussions & Reviews:

When to Buy Long Term Care Insurance