There definitely could be a better solution — perhaps a combined life and Long Term Care policy — but that might be expensive too, given the age of yourself and your husband. To find out without being hassled, contact Brian Gordon and Murray A Gordon Associates, Long Term Care Specialists. 800-533-6242. You can trust him completely.
And maybe its time for a meeting — even just one or two meetings — with a FIDUCIARY financial planner, (one who is charging commissions for selling anything) to look over your entire situation Find one you can trust at Wealthramp.com.