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A little over sixty percent of the folks who reach 65 years of age will need some long-term care. The average nursing home stay ranges from 2-5 years and costs on average of $135.00 per day currently in the United States. These averages and costs are going up little by little each year? Can you afford to be without long term-care insurance? You know there are over 35 million Americans over 65 in the US and that number is rising also, this is due to people living longer and the general trend in demographics as less people are being born. It is the same general argument over social security, which will be fine depending on which year you were born, but for the rest of us? Well, it isn t very pretty. Some in the media have begun to call Social Security a ponzi scheme, which actually if my math is right is not so far from truth.

Most long-term care insurance policies include things such as:

Nursing Home Care

In-Home Assistance with Daily Activities

Adult Daycare and Other Community (more...)

Life Insurance cost. When we search for life insurance the cost of the policy is important for most people. We want a policy from a highly rated company because we need to be assured that our survivors will get paid in the event of our premature demise. Only a very small percentage of the population afford to put out money for a product without giving cost some thought. Most people try to make certain that their life insurance costs are as low as they can be.

Achieving this is not as simple as it may appear to be. There are in excess of 2000 life insurance companies on the face of this earth and between 500,000 and 700,000 life insurance sales representatives. Each sales representative tries to tell you that he or she has the best policy with the lowest premiums. Some actually believe they have the lowest premiums because they are convinced of this by the companies they represent.

The independent agent is certain that his or her life insurance costs are unbeatable because the rates being quo (more...)