What if I never need long term care?
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- If you purchase some form of LTC insurance and never need it, you and your family will be very glad you did not need it.
- If you purchase LTC insurance and you need care, you and your family will be very glad it was purchased.
- If you do not purchase LTC insurance and you need care, you and your family will desperately wish you had!
Return of premium rider are available on traditional or stand-along long term care policies. With linked benefit polices, the underlying life insurance or annuity would go to your heirs.