Years of low interest rates and harsh regulations scared many insurers and financial professionals away from talking about long-term care planning — but everything they used to say about the need to plan was true.

Nationwide is one of the insurers still out there trying to tell people that time will pass and that, someday, they will get old.

The company recently conducted a survey of 1,324 Americans 29 and older, with household income of at least $75,000, to find out what they're thinking now about retirement planning and long-term care planning.

One of the questions turned the participants who were at least 59 into their own LTC advisors.

Nationwide asked those participants, who were mostly members of Generation X and the baby boom generation, what advice they would give to their younger selves about LTC planning.

For a look at 10 of the messages the consumers would send to themselves, ranked in order of increasing popularity, see the gallery accompanying this article.

Credit: Adobe Stock

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