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    David RacichPRO
    Fountain Hills, Arizona
    Long term care (LTC) insurance is a part of defensive planning for your retirement. Long term care policies price their premiums on the basis of your gender, age, smoking status, health history and current medical condition. You have three considerations for long term care coverage: a stand alone policy, an annuity or life insurance with an LTC rider.
    Answered on July 21, 2013
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