One strategy that could be used for someone who is cost sensitive and doesn't have any extra funds to pay for LTC insurance is utilizing a fixed-premium LTC policy with a 2-year Benefit period and a 180-day elimination period. This is a policy that would be best for someone where the probability of needing custodial care is average to low. This type of policy makes planning for expenses easier for the client although would result in a higher initial premium. This plan assumes a 3-year care period and having a 180-day elimination period, resulting in the client self-funding for 6 months up front and 6 months at the end. The second strategy that could be a good recommendation would be to increase the coverage period but decrease the daily benefit. Assuming the client has adequate funds to self-insure but doesn't want to risk the chance of depleting savings. One way to do this would be to choose a lower daily benefit, such as $75 and increasing the benefit period to 5 years or more. Although also keep in mind that without incorporating an inflation guard under the policy, choosing a low initial benefit amount could put undue strain on a clients finances, regardless of the coverage period. Reply with a 100 word response