A woman whom  I've been encouraging to purchase LTC insurance over the last 2 years contacted me this week.  She shared that she had a TIA (Transient Ischemic Attack) in December and wondered if that disqualifies her from buying a plan. This happens far too often.  People explore LTC plannng options and then decide they want to wait to buy a plan for whatever reason they tell themselves is justifiable. Then a health concern shows up and limits options severely. This week, I'm sharing what different types of plan structures use to decide if we are an insurable risk.   If you're considering ways to protect your family, savings and choices later life when you need help living, the time is now to put a plan in place.  We need to move when we are the youngest and healthiest we will ever be. We don't know what tomorrow will bring. Don't make your family suffer because you don't believe you'll ever need help living through each day.  Schedule with me to begin designing what could be the most important protection strategy for your family.