Experts: Personal experience, fear drive LTCI sales

03/26/2013 | New York Times (tiered subscription model), The

People who have seen loved ones in need of long-term care or are caring for them are more motivated to buy a long-term-care insurance policy, experts say. "You should never make a financial decision based on emotion. But in this case, it's extremely hard for clients, and even myself, to separate emotions from the finances," says Bernard Krooks, an elder-law specialist.

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New York Times (tiered subscription model), The

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