A long term care insurance industry group is offering a consumer guide to reducing the cost of LTC coverage.

The free guide, Potential Ways To Reduce The Cost of Long Term Care Insurance, describes strategies for cutting the cost of LTC insurance by 20% to 50% annually.

The American Association for Long Term Care Insurance, Westlake Village, Calif., has published the guide, which is available at http://www.aaltci.org/free-guide

The guide describes the kinds of savings available to applicants who meet certain criteria, such as not smoking, and the savings available to couples who apply for protection–even if the policy will cover just one spouse or partner.