Betting the Ranch
(2 of 2)
Still, LTC insurance remains a hard sell. "It's a subject people don't want to talk about," says Susan Feld, an agent for LTC Insurance Services of Bellevue, Wash. "I will ask a man, 'Do you realize that the chances of your wife's needing long-term care are 1 in 2?'" Compare that with the odds of making a catastrophic insurance claim on a home (1 in 1,200) or auto (1 in 250). When deciding whether to buy long-term-care insurance, the question becomes very personal: Are you feeling lucky?
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