Are There Long Term Care Insurance Policies Where I Can Change Policy Benefits in the Future?

Q: Many of the long term care insurance policies I am researching require me to make permanent choices about the policy benefits. Are there any types of policies that allow me to change my policy benefits in the future? The Problem - Inflexible Policies Most long term care insurance policies require you to make permanent decisions about the benefits of your policy upon purchasing the policy. This presents a host of problems, including: insufficient coverage for the future if you chose coverage that is too modest unmanageable premiums today if you choose higher coverage than you can afford inability to change policy benefits and features if your health deteriorates The Solution - Flexible Policies Some long term care insurance policies allow you to make changes to your policy after the policy has been purchased. ...

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