Too often, people discover this fact far too late. When you desperately need LTC protection, no insurance company will touch you.

Qualification to obtain LTC insurance is medically driven. In order to pass underwriting, you must meet certain health standards. If you are now "reasonably healthy", LTC coverage is readily available and relatively cheap.

Once you have LTC insurance, they can never take it away from you, regardless of your future health.

The cost of professional Long Term Care for an individual family member is quite high ($80,000 per year in some areas of the country). The closer you are to retirement age, the higher the prospects become that you or your spouse may suffer a health set-back and thus require LTC. Without LTC insurance, it's obvious that care of that individual can seriously reduce all you've saved for a secure retirement. And the government won't step in to help until you've spent down to the poverty level.

Take a few moments to find out if you qualify for LTC insurance NOW at your present age and current health status. Learn how cheaply it can be had. There is no obligation on your part.