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Long-term care insurers steering through tough times Clients who are looking for long-term care insurance should check the insurer's financial stability before making a decision, according to this article on Kiplinger. That's because many carriers offering long-term care coverage are experiencing financial woes and may no longer guarantee the payments when clients need them after they retire. Moreover, the overall long-term-care insurance business “has been an uphill battle on a number of fronts,” says a fee-only insurance adviser.

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