Many owners of long term care policies are receiving notices of increasing premiums or reduced benefits. Many carriers have exited the LTC business, including MetLife, Allianz, and Prudential Financial, but are required to honor existing policies. A year of long term care now averages $92,000 annually and is expected to DOUBLE in fifteen to twenty years. Barron's says that individuals with a net worth of $500,000 to $5,000,000 should explore low cost insurance alternatives. Steve and Sinclair dig in and clarify.