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Reply to "Clueless about whether to buy long term care insurance"
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[quote=Anonymous]Just a slightly different perspective: my mom bought a policy when she was 50. She had a stroke two years later and will ultimately get way more out of it than she put in. She shopped around and got a great policy that has no limit on the number of years for pay-off, but instead has a monthly limit, up to $500,000. It looks like she'll max out the policy. My granddaddy had one too. He started using it when he got cancer. He barely survived the elimination period. So, he lost that particular insurance gamble. The policy terms you quote don't sound very good and I think you could look around and get better terms. Also, unless there is medical history, I would wait until you're older. I now have significant medical history, but wouldn't buy it before 50.[/quote]
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