Thankfully, I got my life & long-term care insurance before I became un-insurable. I was generally unaware of long-term care insurance before consulting Ms. Rao for life insurance. Two years after buying the policy I had an injury that would have made me completely ineligible for long-term care insurance. Thankfully, I insured my insurability by getting the policy while still young (41 years old) and healthy. For purchasing a policy with my significant other I got a 40% discount and with the preferred health I had at the time, I got an additional 10% discount.
Ms. Rao was a great resource and is not a typical, pushy sales person. She just provides the information you need to make a decision for yourself. I feel fortunate having bought the insurance before it was too late. read more