In this final episode of our miniseries, we reveal the last two crucial questions you must ask before purchasing long-term care insurance. Scott exposes dangerous premium traps and contrasts the real costs of different inflation protection riders. He explains why you must demand to see the "guaranteed values" page of a contract. Ready to take the guesswork out of your future? Head over to LTCShop.com to use our Policy Finder and get your customized, anonymous quote today!

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Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.

Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.