American Association of LIC insurance, Private LTC Insurance premiums for a single male are $$900-$ $$$1,700$ per month but about $$1,500$ to $$2,700$ per month for a single female. Why is there no equality in private LTC insurance?" Destiny jumps up and says, "It's because women are more likely to use LTC services. For example, research reveals that women are more likely to prefer institutionalization over short$-$term hospitalizations."

"I don't think that's true, I think that it's because women have worse health habits than men," Tracy replies.

$"$No$,$ I think both of you are wrong.

According to our chapter, women have more ADLs compared to males with the same health problems. Also, women on average live longer than men, so it's likely they will end up utilizing more LTC$,"$ Britney says. Who is correct? $($Level $3)$

h$.$ None of the above

e$.$ Britney and Tracy

a$.$ Destiny

f$.$ Destiny and Britney