Who Should Carry Long Term Care Insurance? 
Long Term Care is the elephant in the room . Many carriers have exited the market because they were not able to make money in this niche . The question you should be asking is what will happen if my spouse or I require care ? You will not find any good answer unless you have coverage or can afford the $ 70,000 per year plus that it costs . The changes of needing care are high , but not for a long period of time . In addition , there are several other ways of paying for long term care with life insurance and annuity riders that you should investigate . 