Unum LTC policy or universal life policy with chronic illness and/or LTC rider? I’m a 59-year-old male. Single. No children. I own my own house (value $500k with about $200k of equity in it, but it increases about 10-15% per year). I had a previous John Hancock long-term care policy, which I had to stop paying, but have 33,000 in credit in that policy. Now, I am considering either an LTC policy, or a universal life policy w…

HSA vs. LTC insurance I max out my HSA every year (currently at $73,000). I plan to continue contributing to it until my retirement at 65 (I’m currently 52). Realistically, it could be $400,000-$500,000 by the time I retire. I am considering LTC insurance, but am leaning towards declining due to the HSA coupled with a relatively high net worth. In short, I’m not wor…