Long-term-care planning should be an important part of financial planning, and it requires careful assessment in order to meet clients' needs, writes Lloyd Lofton of American Eagle Financial Services. The age and health of a client are key issues to take into account, because younger clients would pay lower premiums for long-term-care policies. Differences in current and projected costs of care should be considered, as well as the client's budget, Lofton writes.

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