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Long term care insurance is one of the less popular insurance policies. It's lack in popularity is not really because of its unimportance but largely due to ignorance and general misconceptions. The consequences of these are usually grave. Because of this I think it will be a wise move if we took some space off here to make sure we're all aware of the dangers in most of these misconceptions.

There's the misconception that long term care insurance is for the very old. Most people usually think that those who require long term care are usually those who are above 65 years of age. However, nothing could be farther from the truth.

About forty percent of those who receive long term care are between the ages of 18 and 64. While it's true that the older a person gets the more the need for long term care, certain health conditions may make it a necessity much earlier.

Now some folks tell themselves that they'll get it when the need becomes evident. That's another mistake. Long term care insurance is usually unavailable once a health condition that requires long term care is diagnosed.

Long term care insurance is a necessary insurance policy. Yes, an average teenager shouldn't bother about it but if there's a history of certain health conditions in the family that require long term care you'll do well to get one while you're younger. It will save you and yours a lot of pains.

For the rest, Waiting till you're fifty may not be a bad idea. However, getting your long term care insurance policy a little earlier won't be a bad idea either.

And, to help you pay for your long term care insurance with more ease visit insurance quotes sites. These will show you companies that offer the lowest rates. It's best if you visit at least three of such quotes sites. Since they return quotes for free and will do that in under five minutes, it's well worth your while.

You can even manage to pay for your long term care insurance policy without altering your insurance budget if you take some time out to get quotes also for your existing insurance policies: Auto, home, health and life. The savings you realize will, in most cases, cover the cost of your long term care insurance policy...

If you're in need of affordable health insurance quotes individual and family, a highly recommend that you simply get online and start looking for free life insurance quotes. After you get several of these in hand contact the company directly and ask him if there's any way that you can get these things lowered. This is called negotiating my friend and it works.

When you've got quotes in hand then you can get on the telephone with these people and say I notice your quote of $50 and I have a quote here for $40 for the same thing, is there any way possible that you can meet or beat that price? If they can't then you move on to the next one. Don't burn any bridges by any means, but keep notes of who has the lowest quote's, what the actual pro's and con's of each policy are, look at the different savings advantages by raising your deductibles, etc., you get the idea.

And if you're looking for affordable health insurance quotes for individual and family, I hope you realize that there's going to be a substantial difference for individual life insurance costs and family life insurance costs. With individual plans I highly recommend getting the higher deductible because it's easier for you to pay your every day doctor visit costs out-of-pocket and carry the insurance itself in case of major expenses, such as hospitalization. This is much more difficult to do for a family because the everyday costs of visiting a doctor would get out of hand quickly.

As I stated previously, your best bet is to start getting several free life insurance quotes right now and again touch with the insurance agents directly and leverage the quotes that you have in your hand. Just like in any business people are going to be more likely to give you a discount rather than send them to your competition and let them take the sale. Try it now it works.