A person who is 45 today would have to save and invest more than $3,500 a year for 40 years to afford nursing nursing home care at age 85. But that same person can meet those needs by buying long-term care insurance for hundreds of dollars a year. And as with other health insurance, long-term care premiums are cheaper when you are younger. Source: ACLI press release, March 2, 2001.

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