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We help you own long term care insurance through major insurance companies. Long term care is considered to be the greatest unfunded liability facing Americans. Cost of care varies from state to state. Prepare for $3,000 to $7,000 a MONTH expense when loved ones can no longer care for themselves, whether due to accident, injury, illness, age-induced debility or dementia.

How long could you or your family pay for such care without seriously affecting your assets and retirement plans? Medicare does not pay for long term care. Alzheimer's Disease will affect nearly half of people 85 and older. Long term care insurance gives family members favorable planning options when care becomes necessary. Owning long term care insurance protects assets and family relationships. Because long term care insurance is a complex product with many options, it is important to always work with an experienced long term care insurance broker who represents multiple companies. Is it fair to your family to expect them to assume responsibility for you care? Which ones will have designated diaper duty? Which ones don't you want to be changing your diaper?

When should you buy this insurance? Ideally, between the ages of 45 and 70--when you would most likely qualify for significant preferred health discounts.

Special tax benefits available to businesses.

D. Jean Moore, an independent broker, has focused on long term care insurance since 1994. She knows the way. Call toll-free to 1-888-OWN-LTCI (696-5824) or e-mail jean.moore@cox.net for no obligation information. "If you really care, you'll insure for long term care."