Article: LONG-TERM-CARE INSURANCE IS PROBLEMATIC, LONG TERM.(Business)(Column)

When you're buying long-term care insurance, you are sold both on the policy and on the excellence of the company. But don't fall in love with your long-term care insurer, because it won't fall in love with you.

The industry is consolidating. Two major companies recently sold their long-term-care business and a third is trolling for a buyer. A sale delivers the policyholders to a new insurer.

Maybe that will work out fine. The new insurer's financial strength and customer service might be just as good, or better, than you had before. The terms of your current policy will stay the same.

But you don't know how the new company will view the ...

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