When many people think of the term "long-term care," they usually think of long-term care insurance. As a result, the first person they contact to discuss their plan for paying for long-term care is their insurance agent. Who of course, will ALWAYS recommend that they buy insurance- whether it's needed or not.
You can't really know what the appropriate LTC plan is for you until you objectively evaluate all 4 options within the context of your personal and financial situation. In order to do this, I recommend that you seek the services of an Objective Financial Advisor.
What is the difference between an Objective Financial Advisor (OFA) and a traditional advisor? For one thing, OFA's look for long-term relationships, not sales transactions. But the most important characteristic of an OFA is that they do not sell insurance or financial products. By not accepting commissions, referral fees, or kickbacks, the potential for a conflict of interest is eliminated.
http://www.objectivefinancialadvisors.com/
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