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[MSAEK]

Happy Thursday!

[ditheca]

It doesn't appear Trustmark is providing much value here. LTC isn't a common concern at your age, and in 25 years there's no guarantee Trustmark will still exist or that 300k of coverage will be significant.

I'd much rather have $284k cash than $300k of difficult-to-access policies. Discipline yourself and save the normal way!

[Dicey]

There are a number of threads about LTC Insurance on this forum. A little Google-fu will yield plenty of discussion.

In a nutshell, they'll take your money, then spend it all defending against paying it out. Better you invest those premiums and retain full control of your own money.

[MSAEK]

It doesn't appear Trustmark is providing much value here. LTC isn't a common concern at your age, and in 25 years there's no guarantee Trustmark will still exist or that 300k of coverage will be significant.

I'd much rather have $284k cash than $300k of difficult-to-access policies. Discipline yourself and save the normal way!

Thanks!  Did not consider these points. 

[Samuel]

I have a life insurance policy with LTC rider from Trustmark. Not because I want it or think I need it, but because I'd rather pay $27 a month for that than $58 a month for the Washington State run LTC plan I would otherwise have to pay in to and which I'll most likely never be eligible to see any benefits from.

Obviously this does not help you with your question but I feel an obligation to grumble about it when given an opportunity...