Romana is $45$ years old. She recently met with her financial planner to review her contributions to her Roth IRA, a retirement account.

The financial planner mentioned to Romana that she should consider purchasing long$-$term care insurance because a high proportion

of consumers will likely spend one to two years in a nursing home or assisted living space before the end of their lives. The financial

planner said that premiums usually increase after age $50$ and that there were several good plans Romana should consider. Romana

was somewhat familiar with the concept of long$-$term care insurance, but she had never thought about purchasing the product. For

Romana, long$-$term care insurance would be which of the following types of products?

Unsought

Specialty