Many of us will need long term care as we age and finding a good company, one that won't raise our rates too much, is not an easy task.
Here's the good news -- the California Department of Insurance makes it easier with a side-by-side comparison of policies sold in this state.
David Hollander heads up Oakland based financial services company, Liberty Group. He says if you are considering long term care insurance, look now rather than later.
"It is worth it just to check it out and the most important thing to remember is your health buys long term care, not your wealth. I have had lots of people come in who were wealthy and couldn't get it, because they are uninsurable," said Hollander.