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Why the large premium hikes to your LTC policy and what to do about it

Many long-term care (LTC) policy holders may be facing a sizable premium increase this year causing many to doubt if it was the right decision to purchase this insurance.  Why the large premium hikes? Well, it’s a combination of low rates, increasing longevity; lower-than-expected lapse rates and a spike in health care costs have contributed to insurance companies’ need to increase LTC premiums. In Mary Beth Franklin’s column appearing on, she writes about her own experience with a long-term care premium hike and weighing her policy options to maintain coverage at an affordable price.  To read Ms. Franklin’s column click here…

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