This week, we look at premiums of traditional, stand-alone LTC plans.  Diane shares a plan that her clients designed 10 years ago when they were 49 and compares that to the same plan for a 49 year old couple today, a 59 year old couple today and a 69 year old couple today. Listen and learn how both premiums and benefits at each age (and time) differ.   You'll be surprised when learning the total premiums paid at 49 and 69, and more importantly, the difference in benefits availabe at age 79 for each plan. View current and projected costs of care where you live   Be sure to use a 5% cost of living rate as that's the average cost of care increase over the last 30 years. Schedule a phone or zoom meeting with me to start designing your plan Let's wotk together so you and your favorite people are prepared for tomorrow!