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When selecting a long term care insurance policy, it is essential to consider the term length in relation to potential care requirements. Individuals with chronic conditions or family histories of prolonged illnesses may benefit from longer policy terms to ensure sufficient coverage. On the other hand, those with shorter anticipated care needs might opt for shorter-term policies to keep premiums more affordable. The policy terms also influence the premium costs, as longer-term policies typically have higher premiums due to the extended risk exposure for the insurer.

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