Buying Long Term Care Insurance

Parents do not cooperate with the purchase of insurance, but will grow at worst, if they need me and my brothers are those who do.

No, you can not. You absolutely need their permission.

You should ask them why they refuse to buy it. Offer to pay premiums for them, if they are concerned about the money.

you can if you have an "insurable interest", talk to your local agent, they will tell you how to go about obtaining it. Have you ever seen or listened to Dave Ramsey? www.daveramsey.com. I listen to his show and he is convinced that any person over 60 years long term care ins, even if they are millionaires, because it is so expensive. Last year two of my grandparents are gone and we were lucky enough to be able to keep them at home but it still costs around. $ 7,500 per month. Fortunately for us, our grandparents had expected and for part of their lives and it was not a problem. Maybe if you can indicate your parents about how it affects your family (yours and your brothers) have to cover the additional costs and expenses of legal residence, children in college, etc.? Are you guys church members? Maybe they could try to talk to your parents.

The insurance company can answer this question. Usually, you can insure someone if you have an "insurable interest". For example, you can not provide a complete stranger, but you can ensure a parent you are responsible, or may become liable in the future. A woman may provide her husband because it depends on your income if he dies or becomes disabled.

However, if the insurance company requires an examination or other information from the insured, it would be impossible to do without their knowledge.

If you make your parents, you will own the policy and you must pay the premiums. If your parents lack of cooperation is based on who should pay, just tell them that your brother and you decided to purchase policies on them because you fear of not being given their care later . You can explain that you'd feel better if a policy exists. If it does not cost them anything, they should not care.

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