b*******r
发帖数: 6655 | 1 最近公司里在推销这个，看了一下非常不靠谱，premium可以随便涨，最多可以涨两三
倍，缴费不能断，一断了就血本无归，如果想要把投入的钱拿回来还得多加个rider，
这种收益固定风险无限的东西怎么能够存在？ | j**d
发帖数: 825 | 2 有人需要，所以存在。美国需要long term care的人数比例是50%。
如果没有LTC insurance, 自己要每月付6000-9000美元，没有保险，真要用的时候交不
起啊。
不过现在很多life insurance里面有LTC的rider,很便宜 | c**********0
发帖数: 624 | 3 Long term care insurance is really really expensive.
We had a case that family has $2M in net worth, and we only suggest half of
the necessary coverage for them.
As suggested, some rider in Life insurance can be a good alternative if you
have already get a cash value life insurance policy. |
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