If you've never had the "privilege" of nursing the sick elderly, you may not understand the importance of long term care insurance. If you've never been close to someone who needed custodial care for a protracted period, you may make light of this. But you shouldn't treat this lightly. 
You need long term care insurance...
1) People are living longer thanks to medical science. This means that a greater number of people will live to be so old they'll need some form of custodial care.
2) Sickness that makes it compulsory that you get custodial care may strike (Unless you're immune to sickness like me).
3) Providing long term care without insurance can really eat away your entire life's savings.
There are several reasons why people choose not to buy long term care insurance. Top among these is a lack of understanding of the risk involved. However, for most who would have chosen to get a long term care insurance policy, the biggest challenge is what it would cost them. That is, the extra cost.
If you belong to this group here's what I recommend (I'm assuming you already have auto and home insurance)...
Take out time to visit at least five insurance quotes sites. Get and compare quotes for both your auto and home policies (and other policies if you have others). Also get quotes for long term care insurance from all these sites.
Compare the quotes you get for the best price/value.
This process will take you around 3 minutes per site per insurance policy. But, I'm glad to inform you that if you do this well, you'll most likely get enough savings to totally pay for your long term care insurance without changing your insurance budget. Remember, getting insurance quotes is free. And, they are no-obligation quotes. Start now. No, don't put it off till tomorrow. Tomorrow never comes.
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