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Seniors are living longer than ever before. Statistics show three out of four seniors will need some form of home care in their lifetime. The problem is as we grow older, life becomes more challenging.  Most people are aware of Long Term Care insurance policies.

Unfortunately, strict underwriting eliminates many policies from ever being written.  Even seniors who appear healthy are rejected because of their health history, prescription medications, and more. And these days, Long Term Care policies are primarily written to people between the ages of 45 and 64.

So what now for seniors ages 65 and above?