So many people want a long term care plan with all the bells and whistles.  They want a plan that will pay for everything that could ever happen.  These plans are often priced higher than a budget allows. Why do people state that they want no coverage if they can't get the best plan out there? We don't do this anywhere but with LTC insurance. Do we not own a car because we can't afford a Tesla? No. Do we not eat because we can't afford the steak? No. When I work wit you, we work together to determine how much risk is both acceptable and affordable. There are plans offered to people on a stricter budget.  There are plans that accept medical concerns that other plans don't accept.  There are plans offered to age 89 in some states. Listen and then scheudle some time to work through this together