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Life insurance with LTC rider can be good option, advisors say

A life insurance policy with a long-term-care rider can be a strong option for helping clients cover the expenses of long-term care, some financial advisors say. Clients need to understand the possible downsides, however, such as the potential inability to use state tax credits for such policies and the tendency for premiums to surpass those of traditional LTC policies, says Raquel Murphy of HUB International Northeast.

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