We think we can beat the insurance company by waiting as long as we can to purchase LTC insurance.   In truth we're just beating ourselves up. Every year that we wait is one more year of no increase in benefits.  By waiting just 5 years, we could eliminate over $100,000 in future benefits.   I'm sharing two stories today.  One client decided not to wait, and she'll have more than $100,000 in added benefits by not waiting. The other has waited over 13 years and still wants to wait.  During that 13 years, he has lost over $600,000 in future LTC benefits when he is 84.  He'll either not have as much LTC benefits, or he'll need to start with a higher anount of coverage to attain the same results. If protecting your family from the physical, emotional and financial consequenses of an extended care need is important to you today, it's foolish to wait. Schedule with me today to protect your family