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Is Long Term Care Insurance combined with Life insurance is good or better separate policy?

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Life Insurance

It’s a difficult to get started to buy Long Term Insurance , it’s expensive and maybe will never use it. Life Insurance at least you know you will die sooner or later. I was offered a combined insurance with Nationwide Ins… now confused if that is a good idea. BTW I am 60.. Anybody has any suggestion or information about Nationwide? Thanks.

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