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I Need to Prepare in Case I Need Long-Term Care

To meet this need – and if you have a need for long-term life insurance – you may be most interested in products that allow you to purchase long-term care coverage (known as a rider) at an additional cost.

Long-term care insurance can help pay for home health care or nursing home costs. The insured person must meet certain qualifying conditions and a waiting period before benefits will be paid.

Talk to your insurance professional to learn whether it makes sense for you to get long-term care coverage along with a life insurance policy.

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