It's important to know which insurance types you may be able to delay — and which ones you shouldn't wait to buy.
In an economy still recovering from high inflation, Americans need to be judicious about how they spend their money . With less room for error and higher borrowing costs tightening many budgets, each product and service must be weighed carefully. That said, an error in financial judgment now could result in serious ramifications in the future. This is especially true for insurance policies.If you buy a policy too soon, you could risk paying for protections you can't use and don't need.
Long-term care insuranceLong-term care insurance can greatly reduce the costs of a nursing home or assisted living facility. A policy can also help pay for the use of an in-home caretaker for those who want to age at home. But, like many other insurance policies, it will only grow in cost if the applicant waits to buy in. And considering that long-term care costs are only rising, it makes sense to get a policy now.
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