The shakeup in the long-term-care insurance industry has resulted in products that are more responsive to buyers' needs, says Jesse Slome, executive director of the American Association for Long-Term Care Insurance. Among the changes being implemented are more affordable premiums and policies targeted to younger and healthier buyers. "New and improved policies that take a 'something' approach rather than an 'all-or-nothing' approach are very sufficient and, often, much, much cheaper," Slome said.

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