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I am 68 and in perfect health & look to be 55. I have a long term care policy with Bankers Life that I have had for 8 years now. It is a 5 year policy with a 60 elimation period I have an agent that I got my supplement plan with and he thinks I need to get a life time long term care policy with a 30 day elimation period. I was told by my first agent of 8 years ago that you generally die within 5 years of being in a nursing home & this agent I have know disagree's. Which way should I go? The new policy is a $1,000 more a year & yes I can afford that.
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