1. COO and Senior Agent, Outlook Life, All 50 States
    It is usually smart to buy Long Term Care Insurance if you have assets to protect and can afford the premium for Long Term Care Insurance. It is not smart to buy Long Term Care Insurance if paying the premium would be an extreme hardship, and if you have so few assets that Medicaid would pay your long term care expenses within a very short time.
    Answered on May 26, 2013

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