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Long-term care insurance covers long-term services and support, including personal and custodial care in a variety of locations, from your own home to nursing care in a skilled care facility. Long-term care insurance policies are not health insurance policies, but supplement those policies.
The earlier a long-term care policy is purchased, the lower the premiums. These policies tend to become unaffordable as you approach retirement age.
Planning ahead is the key. Long-term care policies commonly have a life insurance component, which may be attractive as well.
Our relationship managers can help you review the latest insurance offerings as this industry continues to change.
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