I am a Certified Long Term Care Insurance Agent, and I have to report to you that there is a lot of untrue information and bad advice in this "how-to". You'd be better off checking out
http://www.weissratings.com/HL_LTC.asp
and choose to have a meeting with an agent from one of the top companies and go from there. There is so much misinformation here I wouldn't know where to start.
Danielle Villegas CLTC, Seattle Wa.
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