The Consumers' Guide to Long Term Care Insurance

Stephen F. Rowley

1 Worth Every Penny!!!
My spouse and I have been trying to determine if we need long term care and, if so, which options were most important. After reading a number of (more expensive) books and articles, we finally found this book.

Although the book didn't offer advice, it did a great job of laying out the pros and cons of the various options available. The worksheet in the back helped us to better discuss the issues with our insurance agent and the chapter on underwriting prepared us for what to expect and why.

All in all - a very good book that was simple to read and understand!

2 Very hulpful!!!
My wife and I have been researching long term care insurance for several months. This book was the first to fully explain the things that we needed to know...and it was an easy read with little use of insurance jargon.

3 Note: From the Author
Purchasing a Long Term Care policy is an expensive, usually lifelong, decision. Once they purchase coverage, very few individuals allow it to lapse or replace it with a newer policy. The consumer's relationship with the insurer may span 20, 30, or even 40 years. Some of these years will be as a healthy premium payer, while others may be as a beneficiary.

For this reason, the consumer should take the time to fully understand the product that he or she purchases. It is equally important to determine the strength and stability of the insurance company providing the coverage.

This book is a guide to help you, the consumer, better understand Long Term Care insurance. The goal is to translate industry jargon and legalistic policy language into laymen's terms to help the purchasing public better understand the types of policies and features available in Long Term Care policies so that consumers can assess the value and limitations of Long Term Care insurance.