Have discussed long term care insurance yet? After seeing her grandpa spend over 2 years in a facility destroying their finances, Mrs. SF keeps asking me about it. When I was a younger lad, I knew people that sold the crap out of that stuff and it was a pretty decent deal and the coverage was great. Most of those insurers are taking a rough ridin' bath on those policies now so they aren't near as worthwhile as they used to be. I've seen those fixed annuities with LTC riders that don't seem too terrible. Coverage may not be the best but at least you aren't throwing a ton of money towards premiums you may never get back. Any other getting ready for being old balls peeps pondering this?
