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Reply to "Approaching Retirement at 65 - What kind of insurance do we need or not need?"
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[quote=Anonymous]Burial insurance? No - if you have money to live, you have money to be buried Life insurance - only if you have dependents who depend on your $ now. Long-Term Care - are you CERTAIN that you will use (as in you have a genetic disease that you know you inherited)? Then maybe. If you have no idea, probably no. My late-80's parents have been paying for this for 20+ years (so they got in when it was "good") - and it still sucks. They refuse to use it, it's $15k a year EACH, and when it pays out, it will be low - not enough to cover a day in a facility. So I'm sour on it. [/quote]
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