It seems to me as if the kind of people who would think seriously about buying long-term care insurance (LTCI) — and have enough spare cash to pay for coverage — are the sorts of people who do a lot of things ahead of time.
They probably get regular checkups for themselves, their cars, their pets and their heating, ventilization and air conditioning systems.
They brush, and they floss. Regularly. Not just in the week before they go to the dentist.
And maybe they also buy presents ahead of time for Christmas, Hanukkah or whatever other winter holidays they happen to celebrate.
Visa Inc., San Francisco, commissioned telephone interviews of about 1,000 U.S. consumers from Dec. 16 to Dec. 18 and found that only 23% said they had finished shopping for gifts.